Owning a home is something that most people strive for in North America. It is both a place to live, and an investment in the future. It's also come to be known as a symbol of status or accomplishment in our society; homeownership means a certain level of success has been reached.

In these economic times it has become increasingly difficult for young people to enter the housing market, due to lower income levels, increases in debts like student loans and credit cards, and general economic instability. For young people, the dream hasn't gone away. It's just that in today's market people must be more resilient than ever, and plan their finances carefully if they want to become homeowners.

Before purchasing your first home, many factors need to be…

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