What does this bail-out that is currently being concocted mean for us? I certainly don't have the answers, and not really sure that anyone does. I think it's a wait and see situation, and everyone hanging on for dear lives in the meantime. What I do know is that even thought it's a buyer's market, with so many great deals out there, it's becoming harder and harder to get a mortgage, even with money down, good credit and a good income. If you're thinking in that direction, seek out a lender NOW and see what your options are before you start looking at homes.