He says it's best to wait a little longer, as he's sure they will drop another .25, most likely .50% in the future.

removing us from using a worthless fiat currency and a central banking system.

My first question is, is it worth it for us to spend a little more of our income on a home and still continue to save or to stay where we are for awhile and save more each month for our future real estate investments?

If a lender detects, suspects or decides to allege fraud even at some future date they can unwind these deals and come after everyone they choose to pursue.

Also, add them to your database and include them in future mailings etc.

Instead of holding on to your loan and facing the risk of interest rate change (since bank receives fixed payment from you for 30 yrs in exchange for lump sum) - they will sell this (to someone who wants to submit a lump sum in now exchange for receiving fixed future payments for 30 years, like an insurance company).The bank is an intermediary between buyers and sellers of assets - they make a cut on the spread and transaction costs.

If you have to replace one of the appliances, you don't have go go through the tedious computations to "back out" the unused depreciation for that one appliance from your lump sum group.For future reference, TurboTax Premier (home edition) will handle all the Schedule E stuff for your personal tax return.

Global currency here we come...

There should be good and great deals in the near future as this mess will take a while to work through the system.

But lately, I am inclined to get my salesperson's license again, and pursue my goals as an investor/future broker more aggressively.