Fuck FHA loans go conventional and it doesn't have to be 20% down, it can be as low as 5% just save a little more money and make sure your credit is good. Buying a home is probably one of the best decisions I've ever made. I have over 100k in equity now thanks to that risk I took knowing that anyday I can get a free trip back to the motherland. However, if that was to happen I can leave my family with the house or sell it and take my money and run! In my opinion, I think buying a expensive car is way worse and people do it all the time, we should be looking into things that gain value not lose value like cars...