My wife pointed me to this article at IndyStar.Com regarding the housing bubble. Since I haven’t purchased a home yet, I’m learily expecting that even with interest rates so great, that I should hold off even longer. Suze Orman warns that 23 percent of houses purchased last year were for investment purposes. That’s a scary statistic. I think I’m going to hold off for now and give myself an opportunity to improve my credit score and create a substantial down payment, hopefully offsetting anything that I’d be losing by waiting until interest rates increase.