Homeownership is often referred to as “the American dream.”  However buying a home is typically the most significant and complicated financial commitment most people make in their lifetime.  Selecting a home mortgage loan that you can afford, both in the short- and long-term; managing the debt; using your mortgage as a financial tool and navigating all of the related issues that accompany homeownership requires ongoing self-education.  This section provides information on the most critical aspects of buying and maintaining a home, as well as tools and insight about your options if homeownership becomes a financial challenge.