Banks are still lending. Anyone seeking financing needs to establish a good employment record, promptly pay bills, keep credit card debt to a minimum and have a savings program. Rules have tightened up due to the economy and number of foreclosures. Interest rates are low (artifically low) so it is a good time to be a borrower. The rate offered by a lender is based on the our credit history. Start by contacting the bank you have a checking or savings account with. You already have a relationship with them. Be realistic and conservative. Make sure you have a cushion rather than maxed out.