As of last Friday FIVE major banks closed there doors for good , the market they had cornered for 100% financing the floor has dropped out from under them.A majority of the business was from B/C consumers ( bad credit ) With foreclosures homes and bankruptcy filings on the rise it was only a matter of time.As a consumer with the Bubble bursting and sellers making any deal they can to get out .Insurance rates still as high as ever and no tax relief in site.The home you paid for a year ago say at 370,000 now is only worth on the active market 330,000 to 320,000 and now you are upside down . because there are eight  to ten of the same home or more in your subdivision for sale right now , never mind the other comparables in the surrounding subdivisions it's all about incentives offered by the seller in todays market.Sellers are paying closing costs, also paying a higher commissions to the buyers agent to entice more showings with so many homes on the market.As of March 14 2007 there were 15,323 single family homes on the market. 23,123 condo's, Villa's and Townhouses on the market.What else can you do ???????????????