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Buying a home

I am gripped with fear over buying a house. My fear is that I will buy a home and promptly lose my job, run through my savings, and end up homeless. I am terrified to part with my savings and throw it into a down payment where I cannot access the money if I need it. I am also terrified to wait longer because interest rates could rise, prices could rise, and so forth. Someone talk sense to me!

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