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    As you know, the real estate market has changed dramatically in the last year. This means you must also change your way of thinking to take meet your goals in buying a home.

    The first five to six years of this decade represented a golden age for real estate. Money was cheap and easy to borrow. This, in turn, spurred massive borrowing and the real estate market as a whole. The action was hot, fast and heavy. Homes would be on the market for less than a

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    u must also change your way of thinking to take meet your goals in buying a home.

    The first five to six years of this decade represented a golden age for real estate. Money was cheap and easy to borrow. This, in turn, spurred massive borrowing and the real estate market as a whole. The action was hot, fast and heavy. Homes would be on the market for less than a

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    first five to six years of this decade represented a golden age for real estate. Money was cheap and easy to borrow. This, in turn, spurred massive borrowing and the real estate market as a whole. The action was hot, fast and heavy. Homes would be on the market for less than a
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    eap and easy to borrow. This, in turn, spurred massive borrowing and the real estate market as a whole. The action was hot, fast and heavy. Homes would be on the market for less than a
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    as a whole. The action was hot, fast and heavy. Homes would be on the market for less than a week. Prices shot up as did the appreciated value of properties.

    The break neck pace of the real estate market could not be sustained. As was predictable a few years back, we are now in a flat to depreciating real estate market depending upon the geographic area. One of the reasons for this is the backlash in the mortgage industry.

    The mortgage market dur

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