So the other day I was reading about more changes that are coming to the world of buying and selling a home. Every day we hear in the news that the mortgage rates are rising and they've risen in the past few months. Next we hear that the 30 year mortgage could be a thing of the past if Fannie Mae and Freddie Mac are eliminated. Last but not least it will be harder to obtain a mortgage. Higher FICO score will be required, debt ratio will change, and down payment requirements could climb to 20%. I guess what is important for the consumer is if they are thinking about buying and are sitting on the fence NOW is the time to buy because if they wait it will not only cost more but may be harder to get their purchase financed.