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Sadly, we're coping with difficult economic times and this has produced what's commonly called a buyer's market as far as real estate is concerned. However, you should know that enrolling in one is not mandatory. A lot of times you'll have to put up collateral property or show that you have assets to secure the loan.  My blog - rockingham property ( http://demo.hooplahosting.com/RicarGBooK/index.php )