Good Afternoon. I can totally relate to what you are feeling. The economic situation in this country is so uncertain, and people are having the hardest time making financial decisions. If you absolutely feel that it is not the time, you should listen to your gut. I will tell you that California, especially part of the Bay Area are a bargain, but it is not as easy as it used to be. There are a lot of ins and outs dealing with foreclosed properties, which are great deals, but you have to be well represented in your dealings. Do I think you are worrying to much, no however, look at all the options, good or bad and go from there. I know it is old school, but make a pros and cons list. It really does help. If you are interested in speaking with me further, my contact information is on my website.