(1)  stick with a fixed-rate mortgage.  Yes rates are higher, BUT principal & interest payments will remain the SAME.  ARMs or adjustable mortgage rates are becoming more popular.  (2) put- and keep – a home wrranty in place.  Can be a God-send if you are short of cash.  Also can upgrade your plan.  Most sellers will pay for the 1st year.  The 2nd year it may rise, but you pay for it then.  (3)  get repair bids and estimates, not just inspections.  Legally an inspector cannot bid a repair, as it is a conflict of interest.  Get these bids before your option period or continguency runs out.  Although pest and roof contractors can give you a bid legally.  (4)  Buy for the 10-year plan, so you are not forced to sell in a down market.  Try to plan ahead for 10 years and get a mortgage you can comfortably handle.