You must prefer to choose realtors that would suit your independent needs at your age. Refinancing your budget would mean finding quality homes that would best fit you. Recent economic data indicates that people are more likely to fall behind in payments on a mortgage than credit cards – and the reason why is that property investment seems as a less stable long term investment. (The best investment is quick cash – be liquid, baby. The more cash you have, the less likely you'll need payday loans or other assistance.) Home values tend to rise and fall according to market conditions, and homes owned in areas with drastically inflated values (AZ, CA, FL, NY and so forth) lose value in a hurry, and put a home underwater in fast order, thus making it better to walk away financially. A home used to be the best investment a person could make.