Dean i take some of it back, I posted before you replied. We are about the same age and bought our first home at about the same time, so you have to see the difference. An e-4 can’t buy a house today without a toxic time bomb mortgage nor can his supervisor. A cop, fireman or teacher can’t buy. I bought my first house at 21 and I supervise a bunch of twentysomethings today with good jobs who literally cannot buy anything other than a converted apartment in a ghetto and that is still a stretch, it’s not apples and apples but I am pretty certain it will be again.