<prompt> Human: Hello I am married with a dual income of 80k a year. We live in Philadelphia and are looking to go bigger than our two bedroom. When do you decide that you are ready to buy? If a home offers me a lower mortgage rate than our rent should I jump on it?  <response>: Not necessarily - your rent includes upkeep of the building and taxes, which as a homeowner you have to pay in addition to your mortgage payment. 