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With the housing market in a huge down turn it is more important than ever to know what your own house is worth before you start looking. Even more important is knowing your buying power.

So what is your Buying Power?

Knowing what kind of loan you can qualify for and how much your monthly payment will be.

Banks are discontinuing loan programs on a daily basis. This means you might qualify one day for a certain loan program and the next day another loan program might benefit you even better.

Interest rates are volatile because of the uncertainty in todays stock market especially with mortgage bonds.

In my opinion you should keep your expectations open for fluctations in rate and fluctations in value. Always keep an open mind!