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As to the home, well... I wouldn't buy right now. This market is so inflated you'll never get your $$$ back out of the home. Of course, some realtor will tell you there's no better time than now because of rates, but that whole pitch is illusory, unless you believe prices don't rise inversely to wipe out any gain you get from plummeting rates. There will be a short window in a few months when the housing market tanks but rates haven't really risen meteorically yet during which time you'll be able to steal a house. I'd start looking now and pray for a housing market crash.
S(Waiting for the crash so I can steal some property)D
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I am sorry but, are you high?