Real estate prices appear to have bottomed out and interest rates are still low. Rarely do such two events happen at the same time. Historically when a slumbering economy begins to wake up, interest rates take notice and begin another round of rate increases. Not so today. But borrowers still have to qualify for financing, regardless of where rates are or how the local real estate market is doing. With regard to credit, some borrowers never even apply, thinking their credit stands in the way. Visit to get for more information http://realestatetoscana.net/