Hi Brenda-
Sounds like you are tired of winter!
Your siuation is not as bad as the media is leading you to believe! People are buying & selling homes every day.
QUALIFIED people are able to get loans every day! If someone has a low credit score, no income, etc.--They will have a problem getting a loan. For those with reasonable credit scores (620 or above), loans are available. FHA loans require only 3-1/2% down.
Interest rates are in the 5%-5-1/2% area.
You may wish to be very careful, especially wanting to be out of state, when selling your home in a manner other than a traditional transfer unless you have protected yourself adequately.
Good luck. If you would like a could recommend a top realtor for the Wilmington area to help you sell your home.
John Wirsing
Keller Williams Realty Greater Cleveland
440-487-2193
jwirsing@kw.com