Why Generation Y is broke

20- and 30-somethings are in a financial mess. Is it because we're dumb, arrogant or simply uneducated?

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Home buying the old-fashioned way

The subprime meltdown has meant a return to the old-fashioned mortgage: 20% down for 30 years at a fixed rate. Impossible? We look at 3 cases where people are going that well-worn route -- without Wall Street jobs or trust funds.


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Lower profits, increased rules -- but more reliable

When the incoming administration of President-elect Barack Obama looks at the financial services industry, there will be one thought above all others: to make sure the sector survives.



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Jobless claims jump to 16-year high

First-time filings for unemployment benefits shot up to their highest level since July 1992 last week, rising 27,000 to a seasonally adjusted 542,000 and punctuating the struggling state of the U.S. labor market, government data showed Thursday.


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How far will my salary go in another city?

What do you need to save?
How Fast will your savings grow?
How much will you need? Can you retire early?


click here to find out

No job, bad mortgage - out of luck

More homeowners are falling behind on their mortgages because they've lost their jobs. And there's little help coming their way.



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U.S. tries new tack on housing

Department of Housing and Urban Development makes changes to Hope for Homeowners plan aimed at increasing participation.


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Builders' confidence sinks to new low

A survey of homebuilders' assessment of the housing market shows the industry's sentiment fell in November to yet another low.


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Home Owners get the relief you need!!!!!!!!

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US mortgage modifications increased in 3rd-qtr - report

U.S. mortgage companies increased the number of loans modified to easier terms by 17 percent from the second to third quarter, an industry group reported on Monday.


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Mounting job losses fueling foreclosures

Bad loans were originally the main culprit driving homeowners into foreclosure. But now it's unemployment that's fueling the mortgage meltdown.


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September pending home sales fall 4.6%

The worsening financial crisis stopped bargain hunters in their tracks.


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Obama will make economic mark before Jan. 20

Democratic lawmakers called Thursday for a new stimulus package worth up to $100 billion while President-elect Barack Obama scheduled a meeting with his new economic transition team to begin addressing the nation's economic troubles well before his Jan. 20 inauguration.

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How health coverage may change under Obama

New president faces question of how far to take reform


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Goldman forecasting

Goldman forecasting biggest rise in joblessness since WWII


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McCain mortgage plan shifts costs to taxpayers

Under McCain's newly announced plan, the government would take the hit for writing down mortgage balances for at-risk borrowers.


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Bank of America to slash mortgage payments

The foreclosure prevention program is the most aggressive initiative undertaken yet to help stem the housing crisis.



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Manhattan real estate: Pricey but headed for a fall

The average sales price continues to climb - it's now $1.4 million - but the number of buyers is falling fast.


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Housing rescue efforts slowed in August

Nearly 189,000 at risk borrowers got help during the month, according to Hope Now, down slightly from the number of homeowners helped in July.


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Where home prices are headed next

Want to know what your home will be worth this time next year? Check out these home price forecasts for the 100 largest U.S. markets, from Money Magazine.


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Bailout: Little help for homeowners

If it does pass, the plan calls for the Treasury to work with loan servicers to stem the tide of foreclosures. But just how that will happen remains unclear.



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Freddie, Fannie roll back fees

The mortgage finance giants will not increase fees to .5% from .25% on loans they purchase.


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The other housing rescue starts today

The FHA's $300 billion Hope for Homeownership program is now open for business. But will banks be willing to sign up?


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Record 16% drop in July home prices

July home prices plunge 16.3% in 12 months, according to the Standard & Poor's/Case-Shiller 20-city housing index.


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Crisis puts home loans out of reach

The meltdown on Wall Street is making it even harder for home buyers to land a mortgage loan.



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Time to lock in your mortgage rate

Home buyers may find big savings in locking in mortgage interest rates.


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Mortgage applications rise 2.8%

Mortgage Banker's Association's application index rose to 432.6 last week, but remains far below peak of 1,856.7 in 2003.



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Bush signs housing rescue law

President enacts controversial measure that aims to help borrowers, bolster the housing market and provide a fail-safe for Fannie and Freddie.


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America's Best Places To Raise A Family

Steve Schwartz and his wife, Lori, have spent the last 30 years running Schwartz's Bait and Tackle in Noblesville, Ind. Just 15 miles north of downtown Indianapolis, they sell fishing equipment and rent canoes to locals like Indianapolis Colts kicker Adam Vinatieri and former Formula One racer Derek Daly.


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Increasingly Affordable U.S. Housing Markets

What a difference a year makes.

At the beginning of 2007, San Diego real estate was already in the process of correcting. Even so, with median prices at $595,000, only 9.4% of the homes being sold were available to the median household.


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Pace of housing rescue slows, as foreclosures rise

Mortgage industry alliance helped 170,000 homeowners avoid foreclosures in May - a monthly pace that slowed even as foreclosures ramped up.


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Celebrity foreclosures

The effects of the foreclosure crisis are rippling throughout the country - and even the rich and famous are not immune.

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Mortgage applications rebound

Price declines on 30-year fixed-rate mortgages generate new loans and more refinancing.


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Manhattan real estate starts to soften

Sales are down according to the latest reports, but thanks to strong demand for luxury apartments the average Manhattan apartment now costs $1.67 million.


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10 Things Your Mortgage Lender Will Not Tell You

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Housing rescue group steps up efforts

Hope Now members agree to more streamlined, uniform approach to foreclosure prevention. But community advocates say it isn't enough.


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Mortgage industry blasts Senate bill

Six trade groups representing lenders said parts of the Senate housing bill are too restrictive and will expose lenders to lawsuits.



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Housing rescue group steps up efforts

Hope Now members agree to more streamlined, uniform approach to foreclosure prevention. But community advocates say it isn't enough.



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Mortgage lenders vow quick response

Bush-backed industry group promises to respond to troubled borrowers within 45 days, but lawmakers call the plan inadequate.


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73,000 homes lost to foreclosure in May

Filings for the month jumped by 48%. Nevada, California, and Florida continue to bear the brunt of the crisis.


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Property-flipping rule suspended

The White House temporarily suspends a rule that imposes a 90-day waiting period before foreclosed homes can be sold to receive government loans.



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6 real estate bargains

The housing downturn's upside? You don't have to go overseas anymore for your dream retirement home. We found the six best markets for deals.


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Housing: It'll get worse

Hard hit cities like Sacramento, Phoenix and Las Vegas are set for more steep losses. Some real estate experts are bracing for price drops of as much as 50%.



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For this broker, foreclosures spell boom

David McIlvaine has the right specialty in a housing crisis: He sells homes that banks have taken back from borrowers who can't pay their mortgages.



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Where home prices are headed next

Want to know what your home will be worth this time next year? Check out these home price forecasts for the 100 largest U.S. markets, from Money Magazine.


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Housing crunch, 90210

Places like Beverly Hills, Calif. and Greenwich, Conn. have been hit by steep price declines, and a jump in foreclosures.


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Mortgage applications show rebound

Mortgage Bankers Association reports 10.9% rise in applications for week of June 6.


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We redid our kitchen for $6,000

How one couple created a luxe, low-cost kitchen with quality secondhand stuff and sweat equity.



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Standard Pacific gets investment; stock surges

Beaten-down shares of home builder Standard Pacific Corp. were up more than 60% on Tuesday after the company said it has received an equity commitment of more than $530 million.



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U.S. new-home sales rise in April

Sales of new homes rose during April for the first time in six months, but economists say it isn't cause for celebration that the nation's housing market is turning around.



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Decline in home prices accelerates in March

The pace of home price declines accelerated in March and there are no hints that the decline might be ending soon, economists said.


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Short Sales Rise as Homeowners Seek Alternative to Foreclosure

In real estate, it’s the sale of a home or property for less than the amount owed the lender. The owner nets nothing on the sale and until recently, it also meant a tax liability, as the IRS considered the difference between the sale price and outstanding loan amount as income.


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Short Sales

A short sale is generally the sale of a stock you do not own.



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U.S. home prices down 1.7% in first quarter: OFHEO

U.S. home prices fell a seasonally adjusted 1.7% in the first three months of 2008 -- the largest quarterly price decline on record, the Office of Federal Housing Enterprise Oversight reported Thursday.


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The high cost of a green dream

It seemed like a fantasy project to renovate their new home in an environmentally sensitive way. Reality is costing them more green than they could have imagined.


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Mortgage applications drop 7.8%

Mortgage application volume falls to one-third of where it was during the height of the housing boom in May, 2003.


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Reverse mortgages: Beware the come-ons

The loans can help you tap the equity in your house. Just don't get tripped up by greedy salespeople.



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Homes are biggest bargain since 2004

Falling prices opened up home buying for many more Americans.


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Mortgage rescue advances in Senate

Plan would let government back loans but not put taxpayers at risk. Banking Committee led by Shelby and Dodd OKs bill. Next stop: Senate floor.


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Home prices continue sharp descent

Steep drops in West. Heartland prices stabilize. Bottom line: 7.7% decline in first quarter.


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Housing starts surge on condo construction

Single-family starts continue falling, touch 17-year low.....



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Senators hammering out mortgage deal

Key members of Senate Banking Committee huddle on proposal to offer more help for at-risk homeowners.



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Why more homeowners aren't getting help

The firms that service mortgages are central to whether or not efforts to prevent foreclosures work. But their role is shrouded in mystery.


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Housing rescue stokes partisan split

GOP pushes back against Dodd bill to expand government role in helping at-risk borrowers and tighten control over big mortgage players.


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Foreclosure filings hit record in April

Survey sees more than 243,000 filings, up 65% from a year earlier, creating problems for local governments.


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A California Couple's Descent

The Borrowers: Sherrie Floyd, 44, a clerical assistant at the Kaiser Foundation, and her husband, Kevin Floyd, 45, a truck driver in Vallejo, Calif.



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Democrats Face Rescue Backlash

Some Voters Oppose Having to Bail Out Homeowners at Risk


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Bonds Tied to Mortgages Have Hope

Maybe there's a way to thrive in the howling wasteland that is the home-loan market.



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5 new rules for home sellers

Whether you're buying or selling, the real estate game has changed. To win, you've got to learn a new playbook.


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Housing bailout: Little cost but also little help

Congress' proposal to help troubled homeowners may only cost $1.7 billion to taxpayers since it might only keep 325,000 of nearly 3 million borrowers from foreclosure.


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Housing rescue: Fighting over best fix

Bush administration broadens its program to back troubled loans, as critics say the agency is not doing enough....



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Mortgage delinquency on the rise

Outlook for delinquencies worsens as lower home prices create cycle of increasing defaults.




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House passes $15B anti-blight bill

Lawmakers say the funds will allow states to buy and repair foreclosed properties in an effort to prevent neighborhoods from deteriorating.



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Foreclosures spike 112% - no end in sight

More than 155,000 families have lost their homes to foreclosure this year; one out of every 194 U.S. households received a foreclosure filing.


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Home vacancies rise to record 2.9% in first quarter Homeownership rate steady at 67.8%, matching six-year low

Putting further downward pressure on home prices, the number of vacant homes in the United States increased by 1 million over the past year to a record 18.6 million, according to government data released Monday.


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Home for sale by any means

Are you really serious about selling your home in this market? Then be prepared to try anything - and everything.


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Homeowners need help, not Wall Street

Consumer groups decry Bear Stearns bailout while foreclosures soar......


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Three steps to cutting property taxes

With home prices retreating, you'd think property taxes would too. But don't count on it -- by the time you see lower taxable values, your local government may be in enough of a squeeze to raise the rates that apply to those taxable values.


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Buying green

New home products save energy, water and more.....


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Stay or move?

Some home sellers waiting out unfavorable conditions may remodel instead....


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Reverse mortgages getting better

But costs, scams mean seniors still need to be on guard.....


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Nine Earth-Friendly Fixes For Your Home

As Americans seem increasingly less willing to buy a home, they are becoming more open to investing in "green" features that result in reduced energy costs and clear consciences.


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To Preserve Home Equity Help Your Neighbor

With falling house prices in the news every day, many homeowners are asking: What's the best way to preserve my home's equity?


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Record New York Tower Acquisition Closes

Ashkenazy Acquisition Corp. and The Carlyle Group have completed their purchase of 650 Madison Avenue, a trophy asset in New York’s Plaza District, for $680 million.



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Best Cities For Home Sellers

Though luxury home buyers took a big bite out of the Big Apple last year--properties in the Plaza Hotel and condos along Central Park West sold for record prices and the city posted new highs in price per square foot and median sales price--2008 hasn't been as kind to sellers.


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Ten Recession-Proof Home Improvements

Just a few years ago, a real estate flipper could parlay a several-thousand-dollar upgrade into a substantial profit. A $30,000 investment in new kitchen tiles, countertops and appliances, for example, might reap $60,000 upon resale.


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Credit crisis overshadows dollar

Forget the falling dollar. Efforts to come up with an answer to a pernicious and surprisingly persistent credit crisis will be the top job when finance ministers and central bankers of the Group of Seven industrial nations gather in Washington Friday.


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No-down-payment mortgages gone for good?

Most mortgage insurance companies won't cover 100% loans anymore


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Hope Now: We've helped 1.2M home owners

Still, not everyone is convinced that the coalition is doing enough to keep troubled borrowers out of foreclosure.


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The big risk in the foreclosure fix

FHA, a formerly obscure federal agency, is now at center of many plans to fix the housing market. But it may not be up to the task - and that could cost taxpayers a bundle.


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Senate passes foreclosure bill

Plan includes tax breaks for builders, credit for the purchase of foreclosed property and grants to buy and repair abandoned homes.


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Foreclosure fix faces murky future

Senate fast-tracked legislation to stabilize housing. But Bush administration gives it low marks and House is proposing its own ideas and may even push for broader economic stimulus package.


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Bush, House jockey over foreclosure fix

Administration and Democrats stake claims on best way to stabilize housing, while top banking regulators say House plan to stave off foreclosure could be useful.


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The futile $100M foreclosure fix

A new bill would allocate millions for foreclosure counseling. But is that enough to help keep at risk borrowers in their homes?


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Best ways to fix the subprime mess

How do we stop the boom in foreclosures from doing more damage? Bureaucrats, consumer advocates, presidential candidates and plenty of others have plans. Here are 4 that, each for its own reason, offer particularly noteworthy fixes.


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Pending home sales at all-time low

Realtors' group says its index of homes under contract to sell fell sharply in February.


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Senate takes up $15 billion housing fix

Lawmakers begin consideration of compromise measure aimed at averting foreclosures and helping those hurt in housing crisis.



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Builders: No full recovery until 2010

Head of National Association of Home Builders said it could be several years before demand for homes returns to typical levels.


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Mortgage fix - The clock is ticking

Senate leaders reached a deal on Tuesday that could expedite help for the troubled housing market. But hurdles remain and time is running out.


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Average Manhattan home hits record $1.6 million

The price of an average apartment in New York City hit a new high in the first quarter of 2008. Still, the red-hot market looks like it's starting to cool.


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Senate reaches foreclosure relief compromise

Green light flashes as Democrats agree to drop plan, opposed by Republicans, that would have given judges power to cut interest rates.


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Housing: Where the candidates stand

The biggest partisan divide is over the government's role. The Democrats find areas of common interest even as they spar on campaign trail.


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Democrats seek quick strike vs. foreclosure

Key leaders say they'll seek a vote aimed at keeping families in their homes.


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Home improvement on the cheap

How to get top-shelf looks without spending top dollar on popular home-improvement projects.


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Fed Easing Liquidity in Funding Markets

Fed Announces Further Steps to Ease Credit Crunch


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The Directories Company

Bank Owned Properties Directory
Select from the list of government agencies, lenders and service providers below to view their current inventory:


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McCain rejects housing crisis 'politics'

Presidential candidate says he is open to 'any and all proposals' related to the mortgage crisis, based on cost and benefits.



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Home prices: Down record 11%

The residential real estate market continues to deteriorate in 2008, with 20 key markets reporting steep drops.......



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Fed actions help boost U.S. mortgage filings

Refinancing applications surged last week, MBA's survey shows....


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New-home sales fall to 13-year low

February's supply of new homes on the market stuck at 27-year high.....


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Choosing Eco-Friendly Cleaning Services

Problem: Finding and choosing eco-friendly cleaning services.


solution click here:

Buyers & Sellers

Top questions to ask sellers at listing appointment



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The foreclosure bailout that almost blew up

Gail Burks, who counsels troubled Las Vegas homeowners, says she encounters endless obstacles as she tries to get people the help they need.


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Brokers who lie, and more subprime nightmares

Many homeowners who were subject to predatory lending practices - including brokers who misrepresented payments - are trying to rework their loans. Few are having any luck.


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Fasten your seat belts

Commentary: Fed soon could raise rates as aggressively as it has cut them


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New Fannie, Freddie rules: $200B for mortgages

Regulators lowering capital requirements for mortgage finance firms, could pump hundreds of billions more into mortgage market but raise risks.


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Build your dream house now

It's the best time in years to take your blueprint off the drawing board and construct it for real.


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How subprime killed Bear Stearns

A problem with risky mortgages has led to a global financial crisis. The bigger issue: Experts don't know when it will end.


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Feds moving to ease Fannie, Freddie cap requirement: report

Federal officials are in the process of putting together a potential deal that could allow Fannie Mae and Freddie Mac.......


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A major Fed rate cut now seems certain

Reduction of full percentage point would give markets a shot in the arm.....


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What makes a place great?

For Money's upcoming Best Places to Live list we'd like to know, what’s most important to you when deciding where to live? Rank the options below, then see how your picks compare with other CNNMoney.com users'.


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Mortgage application fees may rise on appraisal reform

A new agreement between the NY Attorney General and Fannie and Freddie should promote independence and accuracy of appraisals. But it's going to cost buyers.


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The next shoe to drop in housing

Rising foreclosures and big losses at Fannie Mae and Freddie Mac are making it harder for people with good credit backgrounds to get a traditional mortgage.


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Countrywide's foreclosures rise again

The mortgage lender says delinquency rates declined slightly in February as foreclosure rates grew.


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Foreclosures up 60% in February

The number of filings jumps year over year but decreases modestly over last month.


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New foreclosure rescue plan offers 'Help Now'

Supporters say the proposal will help rescue more home owners faster than Hope Now, a rescue coalition that some critics say hasn't done enough.


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A Spring Checklist..........

For Your House


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No Money Down? You're Out of Luck

Prices have dropped since last year when Greg Sax bought his St. Paul, Minn., home. But the 37-year-old first-time home buyer still feels lucky he made the move when he did.

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A Good Time to Buy a House.......

Finally, it's a buyer's market out there.


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Reports: FBI probes Countrywide, other lenders

Investigations focus on securitization, servicing of home loans

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Fed turns on the spigot of money again

The Federal Reserve and other leading central banks doubled to more than $400 billion the amount of money they're willing to lend to banks and bond dealers, hoping to flood dysfunctional credit markets with enough money to get them working again.


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U.S. stock investors cheer Federal Reserve move

U.S. stocks rallied Tuesday after three losing sessions, with investors' spirits lifted by the Federal Reserve's move to loan as much as $200 billion in securities in a bid to boost liquidity in the financial system.

full story click here

Home price plunge accelerates

2007 year-end results are in and the news is bad: Major housing markets were down even more than anticipated.


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FDIC: Bank reserves not keeping pace with delinquencies

Federally insured banks and savings institutions saw fourth-quarter earnings plummet 83 percent -- their lowest levels since 1991 -- and failed to boost loss reserves as fast as borrowers became delinquent on loans, the FDIC reported today.


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New York pushing Fannie, Freddie to make new rules for lenders

Fannie Mae and Freddie Mac are reportedly nearing agreement on a deal with New York's attorney general that would require lenders to hire independent appraisers and provide copies of appraisal documents to a clearinghouse where their conduct and activity would be monitored.


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Rules, Rates Keep Housing in Deep Freeze

There were signs of spring last week in housing, with home-builder sentiment and home construction showing glimmers of improvement. But two developments -- tightening lending standards and a surprisingly mixed interest-rate environment -- suggest a real thaw is far from near.


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Home Is Where 'Green' Can Start

Consumers are bombarded these days with a multitude of suggestions to make their lives "greener." Many proposed changes start at home.


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White House to veto foreclosure bill

$4 billion housing bill is too expensive for the administration and would 'slow the recovery of the housing sector.


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Best Places To Get Ahead

Move to New York, and you could become an investment-banking millionaire. Head for Los Angeles for a chance at an eight-figure Hollywood paycheck. Or go prospecting in San Francisco for dot-com gold.


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New Tax Forms Give Homeowners Relief

It's shaping up to be a less-painful year for many taxpayers who are preparing their 2007 returns.......

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Mortgage rates climb this week

Adjustable loans may become more popular, survey finds..........


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Stocks, housing dent economic outlook

U.S. leading index forecasts sluggish growth in coming months....



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Realtors Go 'Green' To Get Your Cash

In a bid to stand out in a sagging housing market, an increasing number of real-estate agents are marketing themselves as eco-friendly -- connecting environmentally conscious buyers to "green" homes and helping sellers make their homes more eco-sensitive.


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Lenders Ramp Up Mortgage Ads, While Homeowners Leave Homes

How do you spot mortgage fraud? Some signs: a home has been sold multiple times within a short period of time --

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Fed sees economy slowing

Central bank cuts growth forecast and sees higher unemployment but hints at more rate cuts ahead to keep economy from recession.


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Multifamily Action Kicks Off 2008

Aside from roller coaster economic news and continued mention of the “R” word, plenty of black ink has also been spilled of late when it comes to news in the nation’s multifamily market.


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Beating foreclosure: Who to call

Homeowners in trouble have to wade through many options to see whether they qualify for any assistance from their lender.


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Jumbo mortgages: The best deals

Rates on big mortgages are unusually high. Here are some tips for bringing down the cost of borrowing to buy that expensive house.


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Home builder outlook remains dim

Homebuilders group reports increased traffic by potential buyers, but the outlook for the near future is darkening.

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Refinancing Your Mortgage? Here Are Ways to Lower Costs

My younger brother Joe and his wife Rhonda are planning on refinancing their mortgage. Since rates have fallen since they took out their 30-year fixed-rate mortgage three years ago and their credit scores have improved, they hope to qualify for a better deal this time around.


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FGIC wants to be split into two companies

Bond insurer FGIC Corp. has notified New York regulators that it wants to be split into two companies, the state's insurance commissioner said Friday.

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World's Most Expensive Rental Markets

Homes in Tokyo and London have always been expensive, but the dollar's recent plunge has made these and other pricey markets particularly daunting for American expatriates, businesses and anyone unlucky enough to receive a salary in greenbacks.

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America's Free-Falling Housing Markets

Residents of Sacramento, Calif., where home sale prices for November 2007 fell a startling 18.6% over the year before, are likely breathing a sigh of relief today.

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Greenspan: Recession chances '50% or better'

Former Fed chairman, speaking at Houston conference, also promotes nuclear power and electric cars.

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What $1 Million Buys In Homes Across The U.S.

Shopping for a seven-figure spread? You're in luck.


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Highest Foreclosure Rates.......

As the subprime-mortgage mess grew last year, the highest foreclosure rates among the nation's 100 biggest metro areas belonged to Detroit, Stockton, Calif., and Las Vegas, a foreclosure-listing service said.


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Tracking Housing Prices

Predicting how much worse the U.S. housing market will get is tough. The future is never certain. But when it comes to home prices, getting a clear picture of the recent past turns out to be surprisingly hard as well.


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NAR reports Q4 price drops in most metros

Nevada see largest decline in sales of existing homes in 2007

click here for full story....

Mortgage rates end week higher

Rise attributed to credit issues, survey finds

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Is It Wise to Pay a Retainer Fee

Question: My fiancé and I are looking to find a real-estate agent and buy a house. We met an agent with 28 years of real-estate experience in our area who gave us a lot of paperwork to look over. However, he said that in order for us to retain his "team," which includes his daughter, for one year, we need to pay him a non-refundable fee of $395. My fiancé and I are a little leery. Does charging a fee sound right to you? Also, we are okay about working with him, but are not comfortable with having to work with his daughter as well. He made it sound like we would be working more with his daughter than with him.



click here for answer

Presidential Candidates' Subprime Solutions

As voters across the country prepare to head to the polls this week and next, and with a clear-cut favorite yet to emerge from either party, questions about subprime lending and the solutions to our current housing troubles are coming to the forefront of the nation's primary races.


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America's Hardest-Hit Foreclosure Spots

What could be worse than getting behind on mortgage payments? Owing your lender more than your home is worth.


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Office Investors.........

From Banner Year to Uncharted Territory.......



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Fear! Panic! Time to buy

Wall Street is focusing only on bad news. That means there are opportunities to scoop up quality companies on sale.


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Jobless claims surge in latest week

Jobless claims surge in latest week
First-time claims jump back to 375,000, the loftiest level since October

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Positive Reaction to Fed rate cut short lived

90 minutes of fame
Commentary: Positive reaction to Fed rate cut proves short-lived
ANNANDALE, Va. (MarketWatch) -- For about an hour and a half on Wednesday afternoon, it looked like the Federal Reserve had succeeded in pulling another rabbit out of its hat.

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GDP Growth Slowed in 4th Quarter

WASHINGTON -- The U.S. economy braked sharply last autumn, pulling growth for all of 2007 to its lowest speed in five years as the housing slump took a heavy toll.


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Feds cut rates half point

Stocks climb as feds cut rates....


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Home Buying Tips

This is an article every first time home buyer should read......

To read these tips click here