Probably, for what it was worth the seller took back a second mortgage, my in-laws loaned us $10,000, we sold all of my Intel stock (about 500 shares), and dropped down to exactly $500 in our checking account to make that work. The interest rate was 12.2% on our mortgage (adjustable) which only adjusted every 6 months by at most 1.5pts and was tied to the LIBOR index. My wife and I are both engineers and were both working (pre-kids) so we made it work and ended up being able to pay off the loan from the in-laws and the seller after just over 2 years (28 months to be exact). But its true, I was only three years out of college and my wife and I lived in a house the bank owned but would let us keep if we kept paying them on time :-)