<prompt> Human: I am a year and a half out of school, no more student loans, no car payment, and dont want to keep dumping money into an apartment. What are some tipsrules of thumbdos and donts of buying your first home.  <response>: This was posted 2 hours ago and might help you decide if youre ready to own a home. Why do you want to be tied down to one area so soon? Will you have the money in 5 months for a 20 down payment plus extra for any repairs? 