We have experienced monumental benchmarks in real estate in recent years with historically low interest rates, exceptionally high property values and more money available to purchase real estate than any other time in our history. As the guidelines and restraints for lending are being pulled back since the highly publicized "mortgage meltdown" we are experiencing a different lending climate that has never been seen before.

Consumers in real estate are more educated due to the media and internet resources, that is a good thing. Consumers need to know everything there is to know about the biggest investment of their lifetime, including what they are borrowing and what the financial implication will be. We will see many real estate professionals step out or away from their real estate careers and the seasoned and best real estate professionals will remain. It is important to find the right representative to help you with your loan program, qualification and the successful funding of your real estate purchase.