Good point. I will wait at least a year and try to get the job situation and credit squared away first. If I can have at least 100k in cash in the bank and a stable job situation then I will have a strategic advantage to the bozos who do the zero down mortgages. Right now the market is not that great here in San Diego for technology and I have already burned bridges at some companies with bad management. I quit those jobs because the people were jerks and its funny because some of these people were later downsized!