Mortgage rates are now under 5 percent so the question despite all the talk about crisis is when those who have been doing well should start buying the house which they have always dreamt of, and despite the fact that we may not know what the new government has up its sleeves, insiders talk about the rates going up soon.

I believe that there are many mortgage companies which will go out of their way to work with you in this day and age and provide you with the best deal possible just because the country has been scared into saving every penny when in reality it depends on the individual and their determination to make it happen or let others make it happen for themselves.

In October of 2008 the mortgage rates have been at their lowest and now they are almost back up at almost 5 percent, so we believe that the time to get a home loan is now.

Those who make things happen do not wait for others to tell them when, they follow their instinct and go for it. So should you. If you are at the point in your life where you believe you can get the house suited for you and your family, then now is the time you should do it.

Run a mortgage calculator and think a couple of years ahead with the money you are currently making and ask yourself if you can swing it considering the possibility that your income may remain what it is now.

Do not count on promised promotions. Do not put yourself into a situation where you may panic. If you are confident, sure, go for it, but don't put yourself out there to the degree where you get desperate. Make a courageous choice, not a foolish one.

Those who get mortgages and buy a house now are as far as I believe going to be in a much better position than those who wait for everyone else to give them the green light.