MANSFIELD, Texas-A survey conducted by Texas Trust CU has found that just one in eight homeowners in its North Texas markets is interested in selling their house and buying another right now.

But there is high interest in home buying among people who are currently renting apartments or houses, the survey found.

"While the survey reflects a slowly recovering housing market in the region, it also spotlights a more pragmatic and less idealized vision of home ownership," TTCU said in a statement.

Among the survey's findings:

*83% of non-homeowners say they are interested in buying a house, either this year or within the next five years.

* Among the current homeowners surveyed who are interested in buying another house at this time, 50% are attracted by current low interest rates, while 18% relish the idea of getting a bigger house for less money, and 16% simply see another house as a good investment at this time.

* 65% said elimination of the home interest tax deduction would not affect their decisions, but 8% said they wouldn't be interested in owning a home without the deduction; 27% were uncertain.

* Both renters and homeowners expressed a strong desire for a personal relationship with the institution holding their mortgage. That desire was particularly important to renters, with 88% considering the relationship very important or at least somewhat important.

* Of the renters interested in buying a home, 77% define an "affordable" down payment as 5% or less of the price of the home; among current homeowners, only 48% define affordable that way, with 26% of respondents happy with 10% down, and 23% of them agreeable to a 20% or higher down payment.

* 60% of renters interested in buying a home say they prefer to buy an existing home; 40% prefer a new/custom-built home.

* 31% of all current homeowners are considering refinancing.

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