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They are unsure if prices have hit their lowest point. Other consumers are just not comfortable taking on the burden of a home mortgage when the economy is in such a rocky state. The discussion about whether to rent or buy continues among those hoping to purchase a home. Both have their advantages and disadvantages, but it comes down to what makes financial sense for your budget and situation. Anticipating the length of time you plan to live in the property is an important first step when deciding whether to take on a home mortgage or become a tenant.