Qualifying for a loan in today's world is not an easy thing to do. Agents, if you have a customer that is dragging their feet when it comes to buying a home, let them know that if they wait for the prices of homes to drop, they may not Qualify in a couple months. If they want a home, they should purchase it now. If they wait they may not be able to buy a home. The qualifying credit scores are on the increase along with lowering the debt to income ratios. Today, everything must be documented and proved, something that we did not have to do less than two years ago. The industry is going to get tougher and tougher to qualify for a home. Qualifying will only get harder. Do your clints want to take that risk and not have a home, waiting for the market to "bottom out" or do they want to purchase the home now, when they can Qualify? This may be the question to ask?