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If you meb to go for the PMI, know the limitations on when and how you can get it removed. This is extra money each month that is leaving your pocket — try to save for a larger down payment or take the time to raise your credit score if you can. Limit the naysayers Don't let them block your light.

Aim to save 20 percent for the down payment Although you can possibly arrange for a much lower down payment, aiming to put down 20 percent is advisable so you can avoid having to pay for private mortgage insurance PMI. Some friends and family were rooting her on, but then there were the naysayers insisting she was making the wrong choice.

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