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Credit have to make a 20% down payment, all of this despite the assurances from the administration the bank bailout was supposed to ease the credit markets and it raises the question what is going on here? anita vogel is looking into this and joins us live in los angeles with more and you would think, if you have good credit, you can put 20% down and why would they not be able to get a loan? >> reporter: well, it is interesting, martha, you know how sometimes it is a buyer's or a seller's market and now it is pretty much neither. you have to have perfect credit, even if you do, and, 20% or mor...

Homeowners, and, you would think that they would make it extremely easy for us to get a loan, and right now, i mean, you look at someone like bank of america, and we bailed these banks out. >> reporter: and, so many people in the same position as beth, they are clearly frustrated and watch the banks get this huge $200 billion bailout, and, yet, are still not able to buy you a home. martha: so frustrating. is there any relief in sight on this. >> reporter: if you talk to real estate experts, they say, not any time soon. even buyers like beth tapper who are well qualified shouldn't expect to get...