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You have to solve Maria's quest first in order to buy the house...she vouces for you that you are a good enough person. <img src="/ubbthreads/images/graemlins/smile.gif" alt="" />
The house is good if you have stuff you want to put in it (armor ect) and it will not disapppear.
But, you could always use the Cursed Abbey to put your things too, and i have heard that things do not disappear from there.