Look at the market right now. In my area, homes have been pouring onto the market for 5 months. Actually its more than pouring, its been a deluge. About 3-4 times more have been placed for sale everyday then have been closing (selling). Sellers are like buyers were in 2005, they're popping up everywhere. All price ranges and sizes of homes are now available.
Supply and demand rules any market and right now there is high supply and low demand. Many sellers are becoming anxious. Good deals can be negotiated. Buyers have a choice of just about any type, size, and price range they want. Almost all homes in my market are in good condition. All parts of the city and county are represented.
Buyers with good credit should not have loan problems. All types of lenders are still making mortgages. Interest rates are only up a little from last year and by historical comparisons, they are still very low.
If you wait the best homes will sell to other buyers who move fast. The number of sellers who decide not to sell will grow and homes will be withdrawn from the market. The population of the USA and Florida will continue to grow causing home ownership desire to increase. Home prices will stabilize and begin to rise again. Interest rates may climb higher.
So, a very high inventory of homes plus relatively low mortgage rates equals finding a good deal now. Let's do it.