in real estate. values are, i believe, still going down. or could continue to go down. there's a lot of homes on the market. there's foreclosures. and it's scary. so i just think the key to everything is just to be educated, take a class, read a book, do something. >> reporter: if your credit's not the best, tips on fixing that too. >> keep what you owe on a credit card below 50% of your high credit available. in other words, if you have a visa card that has a high credit of $5,000, you can borrow up to $5,000, never go above 2,500. >> reporter: some question why banks who took taxpayer money in the bailout are now slow to lend that money to people who need it. michael moscowitz says banks are getting back to traditional standards. >> there's a lot of concerns about real estate values still going down. i think that's one of the main factors that drives the underwriting guidelines. >> reporter: brian and suzanne are expecting their first baby. they got into that new home just in time.