I think it was Will Rogers who said "A fellow that owns his own home is always just coming out of the hardware store…" Most homeowners would agree but, often in the excitement of house-hunting, we tend to overlook some of the sobering realities. Before you start, be sure you're comfortable with the obvious and less obvious costs of home-ownership.The Price RangeFirst determine how much house you can afford. Take a ballpark figure by multiplying your income before tax by 2.5. This formula is used by lenders t... read more