For those who are confident in their job and have their personal finances in order now is the time to buy. The combination of home prices reduced drastically from their highs and interest rates hovering near 4% for a 30 year mortgage make this one of the most affordable times to own a home or apartment. Buyers will be surprised to find their monthly payments including tax deductions (not to mention future appreciation of the property) will most likely show buying a property to be the right choice. An article mid October 2011 in the Wall Street Journal entitled It’s Time to Buy That House told readers “It’s an excellent time to buy a house, either to live in for the long term or investment income…Houses aren’t the magic wealth creators they were made out to be during the Bubble. But when prices are low, loans are cheap and plump investment yields are scarce, buyers should jump.