<prompt> Human: Hello everyone! My husband and I have been renting for awhile now, and I have become aware of how much we are loosing by renting, and am considering just buying a place so that we can be making an investment into our future. I know absolutely nothing about this process, or what kind of money we will be spending out of pocket, but am open to the idea of Rent to Own properties, and would perfer to keep the down payment at a minimum. I have had a credit card for just about a year now, and have paid if off every time I use it, but dont know how that actually affects my credit. If I have credit, it should be good, but I only got the credit card to start building it. Id love some advice- any information helps! Thanks!  <response>: Do some sidebar reading. Renting isnt always a waste of money and there are several situations in which thats more favorable. 