Susan is a 35-year old single mother of two. She needs to get a home for her children and their dog. Susan has recently been offered a promotion and new annual income of $75,000. She has been renting an apartment and saving any extra money for the last eight years, so she has $15,000 in savings. She has good credit history, and the bank is willing to offer her a 30-year fixed rate home mortgage loan at 3% for a $200,000 home. Should Susan buy the home or continue renting? Why?