Last month the national media was in a frenzy about the decline of home sales, yet this month the Wall Street Journal reported that, "The U.S. homeownership rate climbed [...] to the highest level in nearly five years." As mortgage rates remain low and national and local programs aimed at assisting first time home buyers become more widespread, many people who previously were not able to attain homeownership are now finding it easier to do so. This month, the $15,000 down pay