When you have passion to get a house for you and your family then you should use the appropriate way to fulfill what you have targeted. Getting house is not a luxury dream because all people need house as primary need. I still remembered my teacher in elementary school taught me about three primary needs in human live which were food, clothes and house. To take a house, used or new one is not easy because the price sometimes is out of our mind. We don’t have such a power to save first before buy so when our money lots enough we can pay directly for the house. That is almost impossible for every person. Why? For example if you have targeted $30,000 to buy house. So you save your money intensely into that amount. May be you need five years to collect all money, but in the end you still can’t buy the house because the price is increasing into $50,000. If you do the same action, it will end you in same condition. Then what should we do? Using home equity loan is the best way because we can get the house while paying back the loan. It is naturally that we need to pay higher because of the interest rate but overall you still get the best ending story, yes, you’ll get the house.