I know that the media is reporting a lot of gloom and doom about the housing market these days. However, as a real estate professional, I can tell you that now is the best time to buy! Never before have interest rates and house sales been low at the same time. For all of you first time home buyers, this is a dream come true!

I want to encourage everyone that there are still two ways to look at things. The glass can look half full instead of half empty if you do your homework and really investigate your options. If you are selling a home and also purchasing one, you may feel that you won't get as much for your home as a couple of years prior. However, keep in mind that you will not pay as much either as you might have at another time.

Even those of you who need to sell or are in a state of financial duress, there are options that will help you save your credit and also possibly save your house. I strongly urge you to reach out to your bank and see what you can negotiate. I have seen some happy endings for people who did not believe that there was any hope at all.