How To Buy A House

New home sales unexpectedly fell for the third straight month in December.
Think twice before you invest in a top-of-the-line kitchen remodel.
You might never catch up to rising home values.
It carries a penalty of up to 30 years in jail or $1 million in fines.
It's not Chip and Joanna's fault, but we need to drop some reality.
Here are the five most important things to consider.
Your mortgage payment is only the beginning.