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I am finding that today's market is more of a "normal" market. A few years ago just about anyone could walk into a mortgage company and get a home loan with little to no money down and marginal credit. Today with the foreclosures of those loans and adjustable rate mortgages, there has been some tightening of the reins as far as getting a home loan. However, it is still possible to receive a home loan with a great rate with little to no money down. If you are thinking of buying in today's market, I would not hesitate to sit with a mortgage broker and a realtor like myself and see what your options are. It is a great time to buy and there is nothing to be afraid of! Give me a call for a free consultation today!