I looked up the Montgomery metro area (includes Wetumpka, Prattville) on the AIG database.  AIG underwrites mortgage insurance.  We are officially in a declining real estate market.

Funny - Birmingham is not. 

That means mortage insurance will be harder to get, and lenders may require more down payment, perhaps 20%.  I think most of the houses here in Emerald Mountain were probably bought with 10% down or less.