joining us, a real estate attorney, the director of the carnegie group. great to have you back. >> thanks for having me, jamie,. >> jamie: we all dreamt of owning a home. a lot of people are in hot water because they own their home, but they owe more than the home is worth. so those who are just happening about getting into a new home, should they consider renting? >> lyou know, there are four factors that most folks look at, the first is interest rates and the price of home, the cost to rent and where else you might be investing your money if you are not investing in a home. so as far as the rates go, we have all-time lows and anyone who has bought a home knows that you look at the good faith estimate and the truth in lending and the amortization schedule, you pay more for the loan than do you for the house over the course of the homeownership. the problem with that, though, is that interest rates have been low for so long, folks are not