<prompt> Human: My SO and I make about 3500 a month combined and need a place of our own. We have a reasonable amount of savings and relatively good credit. We do not know wether we should try to get a home loan or rent an apartment and save until we get better jobs. Any advice is appreciated!Assistant: Rent and save. If youre not sure if you wantneed a home, then you dont need a home. Try to find the most affordable rent you can, and save up for when youre ready for a house.Human: Most rent in my area is 900 or so. It seems like it may be cheaper to own is the thing.  <response>: You think that until you account for all costs associated with ownership. Renting is almost always cheaper, especially for someone whos unsure about ownership. 