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Per John Hines article "How to buy a home in the new economy" found on Housing Predictor's web-site, you don't always have to rely on mortgages from a bank or lending services.  More and more people are using owner financing.  Mr. Hines says that owner financing is emerging as an answer to the financial crisis, and it just may be the way you finally buy that house. Homeowners who own their homes, condos and other property without a mortgage are able to sell their places using a first trust deed, also called a contract in some states.

So get out there and find out where those estate homes that are for sale in your area and see if you can get owner financing.

For more infomation regarding this article and other related material can be found on the link below.

http://www.housingpredictor.com/