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I think I am going to purchase my own house.
Good for you, there is a lot you are going to have to take care of.
Correct. The recommended amount that you put down as a down payment is 20% of the price of the house
I know. The monthly payment is going to be more then my rent payment
20%! That is a lot of money. I am going to have to start saving.
Yeah it is. Are you aware of the advantages and disadvantages?
No what are they?
Advantages are: You can do whatever you want to your house, you can build equity, no rules, and you are free to have any pet you want.
What are some Disadvantages though?
You will have to get a mortgage loan, the monthly payment is higher, your landlord doesn't do the repairs for you anymore. and you have to maintain the property.
What is a mortgage?
A Mortgage is a legal agreement by which a bank or other creditor lends money at interest in exchange for taking title of the debtor's property.
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