In who's interest is it for a home buyer to have to borrow more money? Pretty much everyone involved in the purchase... except the home buyer.

Pay down your principal as fast as you can. Then you don't need to worry. There are so many easy ways to do this, that are not financially burdensome. None of them require that a home buyer go further into debt. This advice is irresponsible and were it to come from a licensed financial advisor, it would not be in the client's best interest and a violation of their professional ethics. This is rule number 1, "Client First".


...its great advice for Banks, lenders, real estate agents, though