Despite the "doom & gloom" media- the real estate market is NOT that bad. Now is a great time to buy a home. HUD is offering deals on their available homes, there are plenty of homes to choose from & mortgage financing is still available with as little as 3% down & the whole 3% can be a gift!! FHA is the way to buy a home in today's market. Get out there & buy a home- whether you're a first time buyer or move up buyer- NOW IS THE TIME TO BUY!!