Figuring out when to buy:
    
The market is flat and prices are falling in some communities. Should I buy a home now or wait?
Money is tight. Underwriting terms are tough.

How can I be sure I have the best mortgage I can get?
Get independent, professional help, counseling and education from a mortgage or home-buying counselor, who has no stake in your mortgage or home purchase. You want to
both educate yourself about the home loan process and get assistance in determining which mortgage best fits your financial status, lifestyle and home-owning goals.
     
NW.org; Your local housing or social services department