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I am just a little guy from a little town who had dreams of buying a house with land. Back from 1996-2000 I was almost there, only $15k short. Then the housing bubble occurred. I could never catch up. I was always at least that much (and more) behind the prices. Prices have not fully deflated yet. We have 6 million more foreclosures to come. I have saved for a down payment for over a decade. When prices drop enough I will buy.

After looking for real estate for that long I have learned a few things.
I am no realtor, no professional. Just a guy who has some small dreams and some hopes. I am still learning.

The blogs below may be of help.

"How to determine what you can safely afford to pay towards your monthly mortgage payment. Lenders may give a different number. "

"Does it make more sense to buy, or to rent? Here is the way to find out for sure."

"Why rent if you could buy for less money? Valid reasons inside."

"Should you consider the price of gasoline both today and tomorrow when buying a house? I say yes. See why inside."

"10 valid reasons to wait to buy a house."

"Do low interest rates really make it a good time to buy a house?"

"Its your first home and you are looking for something but are not sure where to start to look or about loans."

"Questions I would ask when purchasing any property."

"I want to buy a house. It will be at least one year before I am ready to buy. What should I do now to prepare myself?"

"How do I get a down payment to buy a house? The ideas below worked well for me. They could help you also."

"What should I watch out for when choosing a home to buy so that I don't jump into a money pit?"

"I want to look for foreclosed homes. Where can I find foreclosure listings at no cost? Links showing some answers are inside."
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