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A new survey released from Zillow uncovers that buyers, in most markets, can break even on a home purchase in less than two years. What? Yes, two years. We knew that the housing market was booming, but that’s crazy! The first question following this information would have to be, “well then why are people still renting?”

It’s complicated.

More than half of those surveyed stated financial limitations have kept them from buying a home. More specifically, 16% said that they were unable to qualify for a mortgage loan, 18% said that they can’t afford the overall costs associated with homeownership and 13% said that they do not have enough money saved for a down payment.

Financial limitations can often put a hold on a family’s dream of home ownership; however, there are options available for borrowers in most every circumstance. Programs that offer 100% financing are a great option for borrowers that do not have a down payment. The only way to know all of the options is to talk to a mortgage banker

 You can view the full survey here.