I'm 42 and finally am getting a house. It's in a real nice neighborhood and it's a pretty nice house by standards my wife and I are used to living in. We moved to the Midwest (southwest Missouri) earlier this year so real estate is pretty affordable compared to Richmond, VA metro area. Able to buy a house in a country club neighborhood. About 2,300 sq ft on 3/4 of an acre. Great landscaping and seems like a solid house. But to afford this type of house, I'm taking advantage of an offer from the "Family Bank" which is basically my Mom and Dad. Doing this we are getting a house that's about 80K to 90K more than we would have been able to afford going through a traditional mortgage company. On one hand, it feels great getting such a nice house in such a nice neighborhood. On the other hand, I can imagine how good it feels being able to say that my wife and I have done all this ourselves without any help. So did I wuss out? I know a lot of you work hard for what you got and are wise with your money and take pride in that. But I'm sure some of you are like me and have not-so-good credit and a little debt and probably would have done the same thing.