Purchasing a home is one of the most exciting, expensive, and terrifying events people with experience in their life times. Think about it. One day you are sitting in your little apartment, comforted by the fact that, beyond your rent, every thing is the responsibility of the landlord. All of a sudden, you find yourself the proud owner of your very own home, as well as 120 thousand dollars of additional debt! As an added bonus, when the hot water heater or furnace bites the dust, you will finally have the opportunity to take care of it yourself! Congratulations! You…