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It is now cheaper to buy homes than to rent them in 98 of the top 100 metropolitan areas.  And most markets are expected to appreciate in the next few years. If you have good credit, this is the best time in 40 years to buy.

Want to trade up? Even though the buyer of your house will be getting a good deal, you’ll probably get an even better deal on your next home.

Reason: Prices for bottom-tier properties have improved over the past few years, while top-tier prices keep falling.