Avoiding debt is very laudable, but home ownership is the place where even avid debt-haters like Dave Ramsey admit a loan is the only way most folks can do it.

Avoiding debt is very laudable, but home ownership is the place where even avid debt-haters like Dave Ramsey admit a loan is the only way most folks can do it. Nearly everyone who owns a home does it with a mortgage, usually 15/30 years. Fixed rate seems out of fashion these days, but it's far from dead.