Searching for a home can be draining in "normal" times. When inventory is high and home mortgages are more difficult to obtain, the process of finding a property and securing financing can be downright exhausting.

"Creating financing" is one of the items that is "in" for 2009, according to an annual survey conducted by Mark Nash, a Coldwell Banker broker and real estate author who uses a network of 839 Realtors in all 50 states and eight Canadian provinces to acquire consumer responses to a variety of housing questions.

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