everybody should own a home? I know someone who should not have been given a home loan and surprise surprise surprise they defaulted on the loan & lost the house not at all shocking when you look at their financial history. I am by no means perfect and am well aware circumstances for folks can change on a dime but a little common sense would not hurt the industry!
When we married both David & I had less than stellar credit but we worked to improve it so we could buy a decent house. And when the time came to purchase we bought a house we could afford not the mortgage we were approved for!
oh and stop asking me if I would like to open a credit card every time I purchase something! First of all if I wanted a credit card I would ask and secondly 10% which while is a discount it's only the tax so not much of a savings in the long run!