Homes, To B(uy) or Not to B(uy)

Whether you are just moving out on your own for the first time, or you've moved ten times before, there is always a big choice to make. Do you rent or buy your home? There are valid arguments on both sides, and in different scenarios either one could be the right choice. When you start looking into your next, and possibly final living space, there are a number of things you should consider.

When deciding whether to rent or to buy you might first look at how long you plan to stay before moving again. If you thrive on frequent change and the freedom of spontaneity, buying might not be the best choice. Renting a house is often considerably easier than selling one.

Another more obvious consideration is your financial picture. Do you have enough for a down payment of 10 percent, or is one month's rent more in your budget? Credit worthiness is a significant factor. In order to secure a loan you will need to demonstrate capacity to repay, strong credit history and collateral to secure the loan. Although your credit union can help you explore some viable lending options if you have a few credit blemishes, very poor credit may eliminate all funding options. You may choose to rent while you rebuild your credit score and save some money. Some advantages of renting

1. You have to pay a deposit to move in, but can get it back at the end of your lease, assuming there is no damage to the property.

2. Repairs to the property are generally covered by the owner.

3. You do not have to pay property taxes or insurance (although you should consider renters insurance) on the rental property.

4. You do not have to worry about marketing it yourself if you chose to move.

These can be powerful advantages for people without strong community ties or in temporary circumstances or with financial concerns.

Some disadvantages of renting

1. You have no equity in your payments, and when you move, the money you paid to rent is gone.

2. You have to abide by the rules of the property owner, and many times the rent does not reflect on your credit unless you have a negative experience, such as an eviction.

3. You are limited in terms of creating a space "uniquely yours" (i.e. limited possibilities for remodeling).

A few thoughts on buying

Buying a home requires a good deal of thought and investment, but it can be an excellent option for those with the credit, money, and desire to remain in one place for an extended period.

The upside of buying a house is that it is yours, and you can do what you wish with it (within reason of course, or you will have neighbors/associations to answer to!). Many homeowners appreciate opportunities to personalize their homes and painting, remodeling, and adding on become exciting options.

Making house payments and improvements on your home also helps build equity, making the house worth more with time. Owning a home also offers advantages at tax time and can be an important resource if you ever need to borrow a large sum of money.

There are some downsides to buying. If it breaks, you get to fix it. There is no maintenance man or deductions on rent for self-repair. You also have to pay all taxes and insurance on your home, causing more of an expense than renting somewhere comparable. Issues regarding value are also in play. Purchasing a home should be an investment. If your home loses value because of changes in the neighborhood or the market you may end up losing money.

What's most important for making the best decision for your situation is research and a careful review of your short and long term financial goals. The choice is yours.

Nicole Soltau is the President and Founder of http://CreditUnionRate.com - The Leading Credit Union Directory Search, Find, Join.

In The News:
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.chicagotribune.com/business/chi-upside-down-mortgage-monoct13,0,2329863.storycid=1257260377ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNG7emV6JGZZXCcB3xEavftG159HigbMortgage/b crisis has turned homeownership upside down/abrfont size=-1font color=#6f6f6fChicago Tribune,nbsp;United Statesnbsp;-/font nobr20 hours ago/nobr/fontbrfont size=-1quot;If you have some kind of disruption to your income and you can#39;t make your bmortgage/b payment, it#39;s going to be very hard for you to brefinance/b or anything b.../b/font/div/font/td/tr/table
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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sbwire.com/news/view/22363cid=0ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNEeC7vxoJDhgkNgF9doJo4QGontAAThe Truth About bMortgage Refinancing/b Revealed By Oregon bMortgage/b b.../b/abrfont size=-1font color=#6f6f6fSBWire (press release),nbsp;WInbsp;-/font nobrOct 8, 2008/nobr/fontbrfont size=-1The site is designed to give Oregon residents all the facts about bmortgage refinancing/b so they can make an educated decision when obtaining a bmortgage/b. b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/news/printedition/longisland/ny-livoice135881819oct13,0,6929750.storycid=1257173810ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNEZaRDrKJQnsvUZACGaFkD-AaAxvAFreeport family battered by struggling economy/abrfont size=-1font color=#6f6f6fNewsday,nbsp;NYnbsp;-/font nobrOct 13, 2008/nobr/fontbrfont size=-1Joan Fennell said her bmortgage/b broker quot;promisedquot; verbally she could brefinance/b again within the year into a fixed-rate loan and she assumed she#39;d earn enough b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601070%26sid%3DagoIVK3xOols%26refer%3Dhomecid=1257578974ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNE-YFxHJUl1DpR-RN_3r86r9QFGoQMcCain, Obama Promoting Populist Appeals on Wall Street Rescue/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr4 hours ago/nobr/fontbrfont size=-1The Democrat is focused on recapitalizing banks while halting foreclosures and creating new jobs, while the Republican wants to purchase and brefinance/b b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.boston.com/news/politics/2008/articles/2008/10/08/report_both_candidates_increase_health_coveragecid=1255319735ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNFdGbaC4dnnIla0o-XWOOUNiTWcJAimg src=http://news.google.com/news?imgefp=rq483V9RrP8Jimgurl=cache.boston.com/resize/bonzai-fba/AP_Photo/2008/10/08/1223498947_4834/539w.jpg width=80 height=59 alt= border=1brfont size=-2Boston Globe/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.sfgate.com/cgi-bin/article.cgi%3Ff%3D/c/a/2008/10/09/BU9B13DNI7.DTLcid=1255319735ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNE7GTiJyu_YsBgroNWtVWzQKiersQMcCain campaign outlines bmortgage/b-rescue plan/abrfont size=-1font color=#6f6f6fSan Francisco Chronicle,nbsp; USAnbsp;-/font nobrOct 9, 2008/nobr/fontbrfont size=-1Barack Obama, McCain#39;s Democratic rival, has proposed helping troubled homeowners brefinance/b their mortgages, but his campaign attacked McCain#39;s proposal for b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DBAdIBCGcEo8cid=1255319735ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNEhvaLahpw9-BXSDYMQfeptG5A-DwVideo: Obama: #39;Taxpayers Shouldn#39;t Pick Up Tab#39;/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/BAdIBCGcEo8/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/BAdIBCGcEo8type=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.nytimes.com/2008/10/09/us/politics/09mortgage.html%3Fref%3Dbusinesscid=1255319735ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNENN-GP6NXPQ7qEsZgkn4r7cmWKsQTaxpayers, Not Lenders, Would Bear Costs of McCain’s bMortgage/b Proposal/a font size=-1 color=#6f6f6fnobrNew York Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://blogs.wsj.com/deals/2008/10/08/mccains-300-billion-mortgage-plan-better-than-the-700-billion-rescue/%3Fmod%3Dgooglenews_wsjcid=1255319735ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNHhOu17-LEQxDr7N1sQpljVZ8k0QQMcCain’s $300 Billion bMortgage/b Plan: Better Than the $700 Billion b.../b/a font size=-1 color=#6f6f6fnobrWall Street Journal Blogs/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.newsday.com/news/nationworld/nation/ny-usmort095875394oct09,0,1162571.storycid=1255319735ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNEOp5liEoEM64LUXqraXvUhynsmcgnobrNewsday/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www2.journalnow.com/content/2008/oct/11/principal-is-key-to-housing-solution/cid=1255319735ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNGs3Z7WRCmIe-J59E9BqqKNSN6W0QnobrWinston-Salem Journal/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1255319735hl=ennobrall 883 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.ireport.com/docs/DOC-113622cid=1257461047ei=G2L0SI7YMIyQ6wPKzdCcDQusg=AFQjCNH_4ZI3I9DcUY_a77fSgaMOne9WmAHomeowner Advocate Demands Justice for American Consumers!/abrfont size=-1font color=#6f6f6fireportnbsp;-/font nobr8 hours ago/nobr/fontbrfont size=-1Armed with these tricks of the trade, a consumer can drive the deal and secure the best bmortgage/b or brefinance/b.quot; Ted Krager#39;s efforts to inform America#39;s b.../b/font/div/font/td/tr/table
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