We see emerging new big homes being built, renovated and repaired in our area and when the house owners told us about their beautiful house, we found out that it is loaned for long term, and it is something as we look at their status, they are just low or average income people, (just like us). They must have been qualified in some way by mortgage companies to be accepted for the loan, and their conditions must be favorable for them to leap into credit. If there are no mortgage loans it would be hard for us to rebuild our homes if we can’t afford the full price. And whatever the price is, in the end, the house will always be a good investment in the future, even though we have no thought of loaning it again or selling it.