With banks and conventional lenders tightening the belt on lending this year there are many people who could have bought in the last couple of years who find themselves on the outside looking in!
There is hope though! If you are dedicated to buying a home and have some money to put into the deal there are houses that can be bought. There is some owner financing going on in the Roanoke Virginia real estate market at this time.
There are several opportunities that I know of right now with lease to own homes. I even know of one that you can buy and the owner will apply your payment to the mortgage and let you buy it for the mortgage payoff in a year, two years or three years whenever you can arrange financing.
There are deals to be had for people with the will to buy.....you just need to find the right REALTOR and the right seller to put the package together!