According to statistics from the National Association of Realtors, ten percent of US home buyers with mortgages are behind on their payments for more than a month, or face foreclosures.

The stricter evaluation procedures and higher down payment are preventing many low-income Americans from buying houses.

This is creating tough times for real estate agents.

Wang Jianyu, Real Estate Agent, said, "It used to take one or two months to sell a house. Now it normally needs three to four months, or even more. "

Real estate developers face the same woes.

Jair Lynch, Real Estate Developer, said, " ... a very big impact on our business."

In 2008, nearly five million homes have been sold in the US, over 12 percent down from last year.

And the sales volume for new homes is 486-thousand, over 37 percent less from 2007.

Lawrence Yun, Chief Economist, National Association Realtors, said, " ... US housing market is struggling."

In the sluggish market, John Jameson only wants a home where he and his daughter can enjoy a more comfortable life. John anxiously looks forward to the mortgage approval, and of course, the day they will move into the new home.