In the US today we are faced with many challenges of obtaining the “American Dream”. As the market “Grows” new home buyers are finding it harder to get their very first home loan. As predatory lending comes into the light home buyers are uneasy as to what kind of a “Good Deal” they are getting. It all comes down to the home buyers credit score if it’s a good score like around 600 then you will get a low interest rate of 10 percent. If your credit score is below 450 then you will be punished with a high interest rate of 20 percent. This is a gamble when you apply for a loan from the banks. With high interest rate comes a huge mortgage each month. With this some homeowners get behind in their payments. As this happens they try to do everything possibly imaginable to keep their home like get a second job or let other bills pile up just so they can pay their mortgage.  Predatory lenders look for people with bad credit scores knowing that they cannot make the payments on the home. This is illegal and they know it but they keep doing it. The government has stepped in to help with this by giving them fines and in some cases forcing them to shut down for good. While some banks try to work with the homeowner arranging to accept partial payment at a later time of the month others are not a willing. They want their money now at any cost. As the foreclosure rate of home is on the rise this is scary to some.  With the “American Dream” fading for some they wonder if it is possible for them to achieve this.  While the government has tried to stop the lenders from going after a certain group of people. The damage  has already been done  to the “American Dream” people are still wanting to have it but there is that fear that they are next to be scammed out of their home in the near future. As it becomes seemingly harder to achieve the “American Dream” some potential homebuyers are pursuing it. Some might wonder what the “American Dream” is and I would say that it is the right for an American to own their very own home in a decent neighborhood. Not having to worry about where they are getting the money to make a mortgage payment. Each person can define the words “American Dream” into their own interpretation as to what it means to them. What the “American Dream” means to me might not be the same for the person sitting right next to me. A more new homebuyers come into the picture there is always going to be that question in the back of your head am I getting a good deal. The Housing Market is doing good the crisis is just in the means to obtain the funds to get a home. So as for my conclusion on the US Housing Market who really knows where it’s going. Like always when you invest huge sums of money off into things you should always do your homework. Do research on the company that you are dealing so that you the homebuyer know that you are getting a good deal. Don’t just assume that the company is honest up front with you they might not be. With a home loan you can never be too safe as to know what company to trust to obtain a loan from in the future when you are looking to but you’re first home.