Only buy a house you love and make improvements that make sense to you. I am not going to live with cheap, junky appliances because I may sell the house some day. Bonds make a difference or ads would not make an issue of saying “no bond.” My bond was at 6 percent and, like a mortgage, was over a term of 30 years. Do the math, we paid off the bond at closing ten years ago. Anyone who thinks someone with a paid bond will not take that into consideration at pricing their home is crazy. If you are trying to time the market, good luck. This is a wonderful place and buying a house here is a good thing. Only you can determine if it is worth it to you.
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