In just the past two years Americans have watched the cost of taking out a home mortgage go from low to high, while the cost of the homes themselves have gone from high to lower.
While it was a seller's market just two years across most of the nation, there's now a glut of homes for sale in many areas and prices are really falling.
Real estate expert Haleema Rahim says prices among homes under $500,000 have dropped quite a bit.
"Five-hundred and lower is literally at 20- to 22-percent markdown," she says.
"The way the market is right now, it's hard to sell the houses, so the sellers are willing to bring the prices down because they're sitting there forever."
Things are a little better in Texas, but not as much better as we were used to even as recently as a year ago or two ago, when it was hard to find a home in areas like Austin, Dallas and Houston because sellers were getting offers above their asking prices.
It's not that way any longer in most cases, she says, and now discounts are also the general rule in many Texas markets.
"The markdown is not as much as the rest of the country, but homes are being marked down from 14- to 16-percent," she says.