答：

The biggest mistake was : 1. Didn’t have enough down pay.  2. Borrow the money over you capacity.  3.  Not knowing your credit score.  4.   Buying a car before a house.  5.  Too much credit card debt not paid it off yet.  6.  Skimping on home inspection.  7.  No lawyer, no real estate agent, no escrow company.  8. No title insurance policy, no home owner policy.  9.  No contingencies to protect yourself.  10.  No budgeting for all payment and PITI.  11.  Income is not stabilized.  12. Purchase a home in wrong place, wrong location.

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