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hi Im Dylan Gaston with The Mortgage Firm so a question Ive been getting a lot lately is is it a good time to buy a house right now with the current market people just arent sure well let me ask you this is it a good time to open up a savings account a of course it is its always a good time to open up a savings account all youre doing is youre taking your money from your savings account at the bank and youre moving it into your house savings account let me show you what I mean by something called return on investment so lets just say youre buying a house for two hundred and fifty thousand dollars minimum down payment on that on an FHA loan would be three and a half percent or eight thousand seven hundred and fifty dollars now that is your down payment so that is your initial investment into this new savings account assuming appreciation last couple years have been a lot but the normal appreciation somewhere between like you know three to eight percent per year but were going