These are difficult times for the real estate market. There are many sellers who are upside down in their present homes. They have good credit and can afford to pay for a larger home, but they are not able to sell their home unless they can bring money to the closing table. It depends on how badly they want to move. If sellers are willing to take a loss on their present homes, and if they have the available funds, this is a great time to move up. The mortgage rates are at an all time low, and home prices are at the bottom.Â The question is, can you afford not to move?