re: Got an appointment with financial advisor Thursday.......

I think it's a good idea to go - I just started meeting with one over the past few weeks. You're at least sharp enough not to get taken advantage of, so who cares if this person will try to push their products? You don't have to say yes to anything you don't want to.

And they probably will advise you to keep renting, which sounds like your best option at the moment. I know it's painful to keep paying another year of rent, but honestly your first year of mortgage payments is nearly all interest anyhow, so it's not like you're missing out on a year of paying down a house. And if missing out on such low rates is your concern, these rates aren't going anywhere for a minimum of another year or two or more. In fact, you might even be able to get a better rate in another year as you'll be out of school and making more money and can qualify for a better rate than you could now.

In any event, seeing a financial advisor is just like seeing a doctor - some are good, some aren't - but they'll supply you with information and you can choose to listen to them or not.