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People will always need to buy or sell a home whether a move is job-related or you are ready to downsize or expand.

The national housing market has received a lot of negative press lately with stories of mortgage market tightening and increasing foreclosures. But for the average person with good credit, traditional financing is readily available.

It's important to do some homework before you buy to see what you can afford and what your financing options are. Today, mortgage interest rates are well below their all-time high of over 18 percent in the 1980s. People bought homes then and they can buy them now.