I think I'm ready to own a home! How can I be sure?

Recipe: 1 Get to know the risks of homeownership. 2 Create a spending plan that includes the expenses of owning a home. 3 Consider where your other financial goals fit into the big picture. 4 Assess your financial fitness. 5 Look at the big picture of financial fitness and credit. 6 Write out the pros and cons of owning a home.

INGREDIENTS FOR SUCCESS: • Reading aloud your financial goals every day. • Paying all of your bills on time. • Building your emergency fund • Finding ways to advance your work skills and education.

YouÍre getting closer to your dream of owning a Habitat for Humanity home„a simple, decent place to live. YouÍve worked hard to get to this point. Your hard work is about to pay off.

Buying a home is exciting and can bring a great financial benefit. Homes usually increase in value over time. Still, there are financial risks. Being aware of them is your best tool for avoiding them. If the risks are unavoidable, at least youÍll be prepared to deal with them and keep your credit healthy in the process.