Originally Posted by Ghostvette

I see. With the market being down, it's hard to figure out where to go next. Research is tough to do, Morningstar has the best (in my opinion) information, I look at 5 year performance over 1 year performance. It gives me the best idea of how a stock or fund performs.

When it comes time, look at FHA loans. Those are available at 0 down, but there can't be any repairs that have to be done on the house for them to approve it. It's a little more paperwork, but it would help you avoid the penalties on pulling money out of an IRA.