[ QUOTE ]
So if now is "the time to buy", does that also mean it's the time to get a loan?
[/ QUOTE ]
Time to get a loan? Well uh, that depends on:
Your credit rating (Your interest rate)
Your liquid savings
Size of the loan and your down payment
Your long term goal with the property
Your anticipation of the market conditions
The local area you are buying in (ie. rent vs mortgage payment)
http://patrick.net/housing/prices.html