A letter to a friend

I’m pleased to hear you are considering home ownership. Owning your own home is a wonderful blessing, but it can be a heavy burdenâ€"a curse evenâ€"if you borrow money before you’re ready. I know you are busy, so if you don’t have time to continue reading now, please just scan my very quick, bulleted summary. It’ll be painlessâ€"I promise. Even in America, big dreams take time Like most good things in life, houses take time. Time to build, time to save for, and time to pay off. Although my wife and