<prompt> Human: Ive been watching the market for the past 3-4 months and finally contacted a realtor to purchase my first home. Im 25 and buying it on my own with savings, and am pretty anxious about the whole thing.Im currently renting from my sister and her boyfriend who bought their first house 6 months ago. Theyre reno-ing it and while rent is cheap 500month utilities, living in someone elses constant project isnt ideal. Theyre urging me to wait until I have 20 to buy because the Ill just be throwing away money on PMI. Am I not currently throwing away money on rent, although it is cheap?I have 36K total and am looking at homes in the 150-230K range. We live in a midwestern city so you can get a decent house for the price. Any advice is appreciated. Thanks for reading. Assistant: Patience my friend. Wait the 6 months and have the 20. Will be worth whatever inconvenience you are currently experiencing while in the middle of a renovation Human: Thanks for the reply!Will realtors get angry if you dont buy in the first few months? I still plan on looking and hopefully finding one in the lower range. The housing market here is pretty stagnant anyway.  <response>: I mean Im sure the realtor would prefer you bought today. However, your life is about you, not that realtor. Sometimes its ok to be a little selfish 