Your best investment right now.

We have been here before about three years ago and once again this once in a lifetime opportunity comes forward.  We really think this is your last chance to get in on this incredible deal in the next maybe 80 years.  So consider doing so before it passes you by this time.  We expect this is worth at least $100000 to your pocket too and almost anyone can get in on this opportunity. 

What we are suggesting is buying a home to live in and taking out a 30 year loan.  The 30 year loan can still be had under 4% if you move on it now.  We personally have a big fat 30 year home loan under 4% and will not pay the loan off until the very last day of the very last payment being due. Borrowing under 4% for 30 years is like free money in that one can bet interest rates will rise back to a normal 6% or so at some point and maybe higher if inflation takes off.  So using someone else's money, like your bank's money, for that long is simply the best bet for an investment right now. 

Add in that in many markets it is still a buyers market as many house buying prospects are likely more like suspects in that they can not qualify for a loan.  Good credit and some money to put down and you got a pre-approved loan nowadays and the opportunity to use that leverage to negotiate from a strong position with home sellers who are needing to sell. 

Finally last and certainly not least we are still on record saying the 30 year fixed rate home loan will soon be history.  Federal support of these mortgages ends sometime in 2017 as it stands now and past that point mortgage lenders will not want to take on the risk of a 30 year loans, especially under the Dodd Frank financial laws passed in 2008. 

So go find a new home, not a house to invest in, but a home to live in.  Take out a 30 year cheap interest loan and know you have done the best thing you could do with your money right now. One can also expect that you will get some additional home price appreciation if you pick a good quality home, keep it up, and buy in a good neighborhood.  All in all a win win.