The sensationalized credit crunch is a problem for markets that are not necessarily having housing and building issues. The consumers in our Dallas market are not sure if the market accepts their good credit. The Federal Reserve trying to fix things with lowering interest rates will eventually level market fluctuation's out.

If you have had a house on the market outside your usual time frame, one thing that could help is a buy-down interest rate program from the SELLER... That's right, the seller gives either cash or equity to the deal to help entice the buyer.