Besides being a real estate broker of 23 years, I also own a Minnesota based mortgage brokerage in the Twin Cities with my wife. I've owned Venture Development since 1995-visit us online at http://www.VentureLoanApp.com Now, more than ever, you need to know how to help your buyer arrange their financing-whether it be a first time home buyer or a move up buyer. Our latest episode of "Dollars & Sense" highlights some of the FHA loan products and how they can be used-FHA 203b, FHA 203K, FHA reverse mortgages, and FHA refinancing. Don't forget-FHA loans allow for DPA-Down payment assistance programs with such providers as Nehemiah and Genesis. 100% financing options are all but non-existant, down payment assistance from relatives or qualified charities will fill the gap. Learning more about FHA and VA loans will help you sell more homes. Conventional underwriting is changing due to pull backs from the private mortgage companies and the guidelines from GSE(government sponsored entities) such as Fannie Mae and Freddie Mac. Declining market conditions and rising foreclosures are creating the tight and conservative lending environment in which we now must do business.