Faith without works is DEAD.  That’s not just a catchy opening line.  It has proven time and time again to be true in my life.  Buying my home tested my faith to the core. Being a homeowner was just one of my billion dreams.  I kept putting it off because I wanted to make sure that my credit was superb.  I’m a shopper’s shopper, so I indulged in browsing homes online and in the free real estate magazines around town.  I felt I wasn’t ready financially, but I wanted to at least know what was available. I saw the cutest little town home one day while I was online shopping. …