With all the doom and gloom out there these days i think it is time to re look at things and see there really are some positives as well.  Mortgage rates are low, first time home buyers can still purchase with 5% down payment and in fact all can as long as it is your principal residence.  We can find lenders to fund on construction mortgages, bare land loans, privates lenders, B lenders, acreage financing, renewals for when you mortgage is up for renewal or even earlier, second home purchases and much more.  yes the lenders have gotten tougher due to the stricter lending rules however we are still finding a good home for your mortgage just sometimes it needs adjusted a bit.    Give us a call we have the experience, lenders and advice to assist you!!!