I've been wanting to own my own home all my life, but I had some bad credit problems in the past due to a failed start-up business my husband was involved in. We have worked very hard over the past few years to improve our credit rating, and we finally have it high enough that we could get a loan. We have also managed to save up a fair amount, not quite as much as we'd need for a down payment but we are getting close. However, now I am not sure if I want to stay in the city I'm in long enough to make an investment like this. I know I don't want to buy until I am ready to commit to a city for a few years at least so I am still thinking things through. What else should I consider first? How do you know when you are ready to jump in to the world of home ownership?