common sense mortgage advice

I been reading and answering a lot of questions on yahoo answers and yedda. A lot of these questions consists of people in foreclosure, behind on their payments, doing loan modifications, and some first time home buying. This just shows the state of our economy.

There were realtors and loan people out there saying that the market will is still going down, while others are saying interest rates will go up, and others remain undecided. The truth is the decision is up to you on when and how to get a mortgage. My only advice is to be as informed as possible.