Wow, thanks a bunch guys this is all good info.
Howd you know it was a service thing with TD?
I get a different answer from everyone in the building (when they actually pick the phone up)
I cant wait long enough to save up 25% on a 240-300k home.
If I dont get in within the next couple months, I will never own a home here.
Prices are low, there is a glut of homes on the market right now.
Once they are snagged up, everything will shoot up another 40% again (its a regular 5-6 year trend here)
Like cookslav said, its better then puttin money into the landlords pocket.