NAR has a rather stark — and clear — image reminding all of us how tough it is on home buyers these days, from tighter credit standards to the possible lack of flood insurance.

When a person makes the decision to buy and steps into the arena that is our housing market, it’s not a pretty sight awaiting him. Credit is tight, flexibility for lenders is limited, flood insurance may not be available, FHA fees are increasing.

In short, it’s tough for them so it’s tough for you — there’s a lot of pressure from a lot of places.

Click for a large, suitable-for-printing version. Put it on your wall to remind yourself to keep some pressure on Congress, too.

NAR-1113_Growing Burden on Housing_r3