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PROSPECTIVE HOMEOWNERS ARE LOOKING AT MORTGAGE RATES DOUBLE THAN THEY WERE THREE YEARS AGO. THEY ARE FACING RISING COSTS OF ACTUALLY OWNING A HOME. ANALYSIS FROM BANK RATE FOUND THAT HOMEOWNERS PAY AN AVERAGE OF $15,000 PER YEAR ON TOP OF THEIR MORTGAGE. WALL STREET JOURNAL REPORTS THINGS LIKE TAXES AND INSURANCE SHOW LITTLE SIGN OF ABATING. LETS BRING IN GREG NICK TRY TO BREAK THIS DOWN. HE IS THE CHIEF FINANCIAL ANALYST AT BANK RATE. GREG, THANKS SO MUCH FOR BEING WITH US. THIS IS NOT THE KIND OF NEWS YOUNG PEOPLE ESPECIALLY WANT TO HEAR IF THEY ARE IN THE MARKET FOR A HOME. A LOT OF PEOPLE HAVE BEEN WAITING AND WONDERING WHEN IS THERE A GOOD TIME. CAN YOU EXPLAIN, ASIDE FROM MORTGAGES, WHY ARE ALL THESE OTHER COSTS RISING SO MUCH? ASKED IF HIGH HOME PRICES, MORTGAGE RATES WERENT ENOUGH GET IT IS ALL THOSE OTHER ANCILLARY COSTS THAT HAVE BEEN ON THE RISE TOO, PROPERTY INSURANCE, PROPERTY TAXES, UTILITIES, MAINTENANCE, REPAIRS, EVEN HOMEOWNERS