A lot of people seem to be worried right now about the housing market. I have been in the housing industry for?quite a while and everyone has been worried every year as long as I can remember. It does seem like things have slowed down a bit from what it was in the past. But the home loan rates are still great. When I bought my first home the rate was about 8% and that was a great rate at the time. Now you can still get a rate in the 6-7% range depending on the type of home loan you do. I think we've been so spoiled with low rates that we're paranoid about rates a bit higher. I still wish i had the 4.5% loan I used to have on a previous home, but 6.5% is still great so i'm not complaining - well, most of the time.