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When you get that urge to buy a house, the first thing to do is step back and ask whether it makes more sense to keep renting for a while. The question is, should we keep the endowments running as Life insurance or get shot of them and take the redemption money? If you don't want to sell and you don't have the ability to pay it off, then you will have to refinance it in your name and continue to make payments.

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Is it really a great time to buy? In most cases, this is when the borrower dies, chooses to move or enters a health care facility on more than a temporary basis. There is a flavor of genius in this writing.

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