Having special shelves for your carpenter's planes will help keep them organized. But before mounting these shelves, rout a groove 1/2 in. deep into their top surface. Position the groove where the blade will rest when the plane is on the shelf. The groove will provide a slot for the blade and you won't have to retract it before storage.
Remember that extreme temperatures can build in an attic without proper ventilation, especially with a dark colored roof.
You need mortgage insurance only if you plan to make a down payment of less than 20% of the purchase price of the home. The FHA offers several loan programs that may meet your needs. Ask your lender for details.
To reduce wood splits, such as when building a deck, first drill pilot holes for the nails using a drill bit size about three-quarters the diameter of the nail. In a pinch, if you don't have a bit you can chuck in one of the nails being used. Blunting the nail point will also help prevent splits, since a blunt nail will tear, rather than spread the wood fibers. An alternate method to avoid splitting the ends of boards is to allow an extra length to hang beyond the edge of the deck, do the nailing, then use a circular saw to trim off the ends.