Jumbo rates reach record lows, too But you'll still need a substantial income, little debt and a big down payment to take advantage of the low rates.
	6 smart moves for refinancing now Here's how to beat all of the strict new rules for getting a new mortgage and land the loan you need.
	How to land the best loan Our plan will help you find the cheapest possible mortgage and walk you through the application process.
	How to save on closing costs Our 6 smart moves will help you cut the cost of everything from settlement fees to title insurance.
	State programs can help you buy a home From low-cost mortgages to cash for down payments, every state offers some kind of help, especially for first-time buyers.
	How much house can you afford? Our four simple rules will make sure you can make the monthly payments and weather the recession.
	Test drive your dream condo Get ready to take advantage of lower prices on oceanfront or golf course condos by renting for a year.

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	The Money Store's 30-year loan dips to 4.25% That's half of a percentage point lower than the national average for these loans, but you'll need good credit to qualify.
	Most fixed mortgage rates fall again The average conventional 30-year, fixed-rate mortgage now costs 4.71%, while the average jumbo loan costs 5.43%.
	EverBank's 30-year mortgage dips to 4.25% The online Florida bank's rate is half a percentage point below the national average for these fixed-rate loans
	Don't hold your breath for jump in home prices WASHINGTON - Thought the housing crisis was over?
	Treasury to plan Fannie, Freddie future WASHINGTON - The Obama administration, which has been under fire for not developing a concrete plan for mortgage giants Fannie Mae and Freddie Mac, says it will hold a conference next month to discuss their future.
	Refis smart even if you must buy down loan At the height of the housing boom, refinancing was doubly rewarding: You could lower your monthly payment and extract some cash to spiff up the kitchen.

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	Shop around for the best deal Get three to five quotes and pick one with the lowest rate and fees of $1,500 or less.
	Refinance if you can save a point of interest For every point you shave off your loan, you'll pocket $65 a month for every $100,000 you borrow.
	Auctions are a risky way to buy foreclosures You won't be able to inspect the property and could end up with a home that's been badly damaged.
	House hunt with a buyer's agent You need a specially trained agent who's on your side and never represents sellers in other transactions.
	Check your credit reports before applying A solid credit history means you'll get a cheaper mortgage loan, so make sure your report is accurate and up-to-date.
	Paying points can lower your mortgage rate These tax-deductible fees reduce monthly payments and the interest you pay over the life of the loan.

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