Through home ownership, the money you pay for shelter every month will be an investment in your future, not someone else's. Each mortgage check you write will build equity - the difference between what your home is worth now and what you paid for it. When you sell, you collect the equity as your profit. This profit can help put you into your next, larger home. Or you can tap the equity for college tuition loans or retirement funds at a rate which is generally lower than those available on personal loans. Also, paying on and ultimately paying off a mortgage is an excellent way to establish a good credit rating and prove financial stability.

Your home purchase is not only an investment in your future, it's a powerful tax benefit as well. You can deduct both the interest in home mortgage payments as well as property taxes.

Home ownership frees you from the whims and dictates of a landlord. There will be no unexpected rent hikes. You will be able to decorate as you like, have a dog or cat, and make improvements on your property. You gain privacy and the freedom of expression.

Perhaps the most intangible, yet powerful advantage is the pride of ownership. A home gives you and your family a feeling of stability and commitment. A special sense of security and satisfaction comes as you begin to put roots down in a neighborhood. Your family will enjoy the benefits of this decision for many years.