What are you paying in rent? Do you know the likelihood is that you could own a home and have equity instead of paying off your landlord's property? There are many homes in the Spring Hill area that are under $100,000. If you are paying $700 a month in rent, you are giving your landlord $8400 a year which could have been going to a mortgage and investment in your future.
This is the time for buyers! Prices and rates are low, low, low! Call a lending institution to see what you will qualify for (it is not cost to you) and see if you are ready to invest in your future!