The system is changing in 6.1. It is going to a lotto system essentially. You put the money in and if you get it you get it. But you won't have to wait at the placcard anymore. You will either get your deposit back... Or you will own a new home =D! I have never taken the time to try and buy a home. I want one though so now that it is going to be this system I may start putting money down to see if I can get a mid sized.