Tips on Home Buying

Homeownership In America: The State of the Art

Today, home ownership in American is at an all-time high. According to the Heritage Foundation, prior to World War II less than 50% of Americans owned the homes they lived in. But by 1950, the postwar boom saw home ownership catapult to a record 55%. By 1960, the numbers had risen to 60%. Finally by late 2000, 68% of all Americans owned their homes.

Compared to the population as a whole, homeowners have far greater financial security. The survey found that while the median net worth of renters was only $4,200, the median net worth of homeowners (counting both their homes and other assets) was an unbelievable $132,100.

To Buy, Or Not To Buy? That ‘Tis the Question

The simple fact is: No matter how great home ownership is, it isn’t for everyone. Even most real estate agents will admit this in their more lucid, honest moments. There are all sorts of good reasons to buy a home—but there are some equally good reasons to wait. Home ownership is a huge decision, and it shouldn’t be taken lightly. Jesus warned that prudent people “count the cost.” Although He was talking about discipleship, that’s pretty good advice for home buying, too.

In No Debt No Sweat! I discuss six times when renting may be the best option.

When The Time Is Right To Buy A Home

All right, now that I’ve been a real kill-joy, lets look at the flip-side of the coin. There are some right motives—and times—to buy a home. Without question, home ownership is a cornerstone of the American dream. Today, there are some 70 million homeowners in America, and most are happy with their decision. Each year there are about 5 million homes purchased and of those buyers, over 40% are doing it for the first time! So, if this is your first time into the home buying market—relax. It can be a lot of fun. In No Debt No Sweat! I discuss the five great reasons to buy a home.

The book No Debt No Sweat! covers a host of other important issues for homebuyers:
How Much Home Payment Can You Handle? (It may not be what the real estate guy tells you!)
15-Year versus 30-Year Mortgages—Which Is Best?
Adjustable Rate Mortgages: The Path of Least Resistance
12 Tips For An Easier Home Purchase
8 Big Mistakes That Can Cost You BIG Dollars!
When Does It Make Sense To Refinance Your Present Mortgage?
3 Reasons To Consider Refinancing
What About the “2% Rule”?
5 Considerations About Refinancing Your Home

No Debt No Sweat Christian Financial Management


No Debt, No Sweat! shows Christians how to free themselves from the bondage of financial pain. It is written for people who are financially sound and looking for investment strategies as well as people who are in financial turmoil and need a successful plan for getting out of debt.

Price: $19.00 (353 pages)

No Debt No Sweat Shop Online



Debt Problems?

You are not alone! Debt problems don’t just happen to uneducated folks. Bright, suave, business tycoons and financiers fall into the debt trap. Borrowing, and the associated problems it can bring, affects people in all walks of life. Today, if you’re struggling with debt, I want you to know that you’re not alone—not by a long shot. The average family carrying credit card debt probably owes a little over $11,000. The good news is, there is hope!


About the Seminar

Steve’s No Debt No Sweat! teachings on Christian money management have had a profound effect on people around the world. People are learning to live within their means. Some are able to give more. Marriages are closer. Others have learned how to avoid bankruptcy. Instead of pandering to the “wealth and prosperity” teachings that are so popular today, Steve gives clear, simple, practical solutions with a Biblical base. This stuff really works!

About the Seminar




The Goodbye Kiss: Providing for Loved Ones

Recently I witnessed a different type of goodbye kiss. It occurred between a mother and her daughter, and was one of the most touching goodbye kisses ever. Actually, it wasn’t a physical kiss at all. Instead it was the way Sandra (not her real name) said goodbye to her 14-year old daughter, Bonnie.


Scholarships: How to Avoid the “Gotcha’s”

College and University Scholarships and Student Loans, Student Debt – Scholarships: How to Avoid the “Gotcha’s”


Eat Your Problems for Breakfast

Learn to Eat Your Problems for Breakfast with these Christian Life Skills. – Although the name of this article is inspired by a book title from twenty years ago, I still love that little phrase. One of the most human of all the things we do is try to avoid pain…





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