Mark Zandi

Potential home buyers have a two-step decision process. First, they determine whether they can afford to make a purchase - does their income safely cover their mortgage payment? Then they determine whether owning is a better financial choice than renting - are the costs of owning a home lower than the cost of renting it?

A lot of people give actors credit when they gain weight for a role in a drama when they win an Oscar, but when you're doing a sitcom, people don't give you a lot of credit, because you've got to keep your weight on for five or six years if it's successful.