Here in Missouri, it is cheaper to pay a mortgage payment than to rent. We love living with the in-laws, but our plans to move into their spare home fell through. Apartments want pet-free zones or $200 more a month. We are finding lots of good prices, but few homes that fit our rigorous criteria!
There are a lot of processes to go through when you decide to buy a home. First, you need to look at your finances and determine whether or not you will be able to pay for the house. Second, make a list of the pros and cons of your current situation and compare it to the pros and cons of buying a house. Third, talk to a loan officer and learn about the criteria for a loan. From there, you can find out how much you will be approved for so that you can qualify for the loan. Fourth, find a realtor to help find the things that you are looking for in a house. A realtor will help you and work with your best interests in mind. Fifth, look at your options and fast and pray!
The most important process is to put the decision you are making in the front of your mind and discuss it with the Lord (if you are religious). Heavenly Father will let you know if you are making the decision in a way that he would be proud of.
I look forward to this process and to all the things that life has in store for us!