Oh...and BTW fzzy...Experts suggest that interests rates will never be lower and that this is the ultimate time to purchase a home! I highly doubt that prices will come down too much, if at all...but interest rates will surely go up as there is not too much more down that they can go now-a-days!

Good luck hun! Look into Fanny Mae or FHA or VA (if you are a vet)!

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Minds are like parachutes. They only work when they are open.

~Thomas Dewar~