Thanks SD Realtor and Manmom for your postings. I am looking to buy a house for long term living, not for investment but the houses there are just way too expensive. We have savings of around $100K but because of the high price,we are still running short to buy a house unless we use creative financing which I personally do not like to use. I am a more conservative person and I prefer to use conventional mortgage. Yes, I have also noticed more NODs these days but they are in the high-end properties. Still waiting for the price to come down. Frankly, I cannot imagine a family like mine has two people working with ok salary and savings cannot a house here in SD. That is really rediculus.