Homeownership is a big financial decision. Whether you’re a first-time homebuyer or in the market for a second home, signing the closing paperwork is a big step in your life. In fact, making this step is a goal for most Americans, as 89 percent of adults refer to homeownership as a big part of the American Dream. So why are so many potential homebuyers pressing the pause button on making this a reality? Let’s look at the top three reasons why homeowners delay the process.