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.
	8 smart moves to get the best deal Finding the right loan -- with the lowest possible interest rate, fees and closing costs --can save you thousands of dollars.
	FHA loans great for buying, refinancing Borrowers with iffy credit and little equity or money for a down payment can get an affordable mortgage.
	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.
	The 7 biggest mortgage mistakes Avoid these pitfalls, and you'll save all sorts of time, money and aggravation.
	8 critical questions your GFE should answer Use your Good Faith Estimate to make sure you're getting the loan you've been promised and avoid nasty surprises.
	How much house can you afford? Our four simple rules will make sure you can make the monthly payments and weather the recession.

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	Fixed mortgage rates hit record lows The average conventional 30-year, fixed-rate mortgage now costs 4.53%, while the average jumbo loan costs 5.17%.
	EverBank's 30-year mortgage dips to 4.00% The online Florida bank's rate is half a percentage point below the national average for these fixed-rate loans.
	West Coast Deal: 3.75% on 15-year loan Southwestern Mortgage's loan is only available to Californians, but costs a quarter-point less than the national average.
	Businesses hold key to boost economy The nation's economy floats on a $35 trillion sea of debt.
	Texas Deal: 3.125% for a 5-year ARM For the first five years, you'll pay just $428 a month in principal and interest for every $100,000 you borrow.
	Illinois Deal: 3.375% for a 5-year ARM Neighborhood Loans' adjustable-rate mortgage is almost half a point lower than the national average for these types of loans.

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	Making the right bid is critical in short sales Your first offer needs to be realistic and have a good chance of being accepted by the lender.
	Pay down your bills before trying to refinance Lenders will count your auto and student loans and credit card debt, plus any alimony and child support you owe, before giving you a new loan.
	Judge a home's walkability before you buy Here's a Web site that tells you how far it is from schools and stores, and scores how much you can do on foot.
	Compare final, estimated costs at closing The government's new standard settlement statement makes it easy by cross-referencing the numbers.
	Ask a lender to preapprove you for a loan It's the best way to find out where you stand and how much you owe on everything.
	Beware condos loaded with investors It's a signal that no one is paying monthly maintenance fees for those units, so routine repairs aren't being made.

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