[Overtonwindow]

I just bought a house for the first time last year. The value of my house is already more than what I paid for it. At the moment, I'm spending less including all of my bills and I ever did on the apartment. Furthermore, in five years, I can dispense with mortgage insurance (a requirement for the mortgage) and lower that monthly payment even more. I say all of this because I challenge your assumption that you cannot afford a mortgage. My house was $215,000, and I only had to put down about $10,000 to buy. I understand that everyone's financial situation is different, but I encourage you to speak to a mortgage company and find out precisely what it would take to get your own home.