A freep.com article points out mortgage money is still plentiful. Most mortgage products are unaffecteted by the problems in the subprime market. Take for example the 30 year fixed rate loans is in the low 6% range for people with pretty good credit. Larger loans (over $400,000) interest rates have even fallen this month. The article further explains the mortgage market has adverted a crisis since the products and underwriting that allowed people to buy houses they couldn't afford have disappeared. Plus underwriting standards have been overhauled and are stricter than they were a year ago.