One of the first questions that you have to ask yourself before you buy relates to mortgage affordability. Even with home prices and mortgage rates dropping, mortgages aren’t affordable for everyone. As many consumers discovered to their chagrin, they couldn’t actually afford some of the mortgages they got.
Before deciding to buy, consider how much it costs, and also consider what you pay over time. In some cases, buying is much more expensive – even over the long run, and with tax deductions – than renting. Some consumers prefer to invest the difference at higher returns. Read the entire article.
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