If I have a chance, tomorrow I will check to see about less then 20% down loans out there. Personally yes I do believe there are programs out there. Also our friend HLS can chime in to be sure.

Actually with regards to the earlier post that Rus put out, I would have to say I agree with them. I guess I didn’t get the same impression that some of you guys got. I didn’t get a buy now impression at all. I got more of a message that seemed to convey opportunistic buyers may indeed be able to take advantage of opportunity before the bottom based on sweat equity, lowballing, and knowledge of the submarket they are opertaing in, or other means. Those who are prudent and can plan for opportunity and have a mechanism in place in case things do not transpire as they wish may in fact do well.

Anyways, I didn’t get a message of go buy now, or that the market will not go down.