feature1_title = ""; feature1_headline = "Lender One-on-One"; feature1_subheadline = "It’s a buyer’s market, but the lending environment is still tough. Here\'s how to make your case for a loan"; feature1_author = "Marilyn Kennedy Melia"; feature1_excerpt = " There’s no better feeling than checking off every item from your to-do list. It’s smart to try to take that same approach to homebuying. First, you worry about how much home you can afford and whether you’ll even qualify for a mortgage. Then, comes the fun part: going on a house hunt to try and find your dream home. But the business end of buying took a more serious turn after the credit crisis. Lenders now are asking borrowers to fully expose their financial life and are toug..."; feature1_date = "2012-01-31"; feature1_banner = "http://content.contentthatworks.com/images_articles/2012/realestate/realestate_20120131_lender_banner.jpg"; feature1_thumbnail = "http://content.contentthatworks.com/images_articles/2012/realestate/realestate_20120131_lender_banner_thumbnail_feeds.jpg"; qa_title = "Ask Our Broker"; qa_headline = "House Rich, Cash Poor"; qa_subheadline = ""; qa_author = "Peter G. Miller"; qa_excerpt = " We have a backward real estate problem. Instead of being upside down we have about $80,000 in equity. What we don’t have is money and will shortly default. What can we do? You should see if there’s anyway to keep the property. If foreclosed you’ll still need shelter, and rental housing also costs money. Since the moment of nonpayment has not arrived you need to take several steps now. First, look at your monthly costs. What can you cut? Second, if you’ve lost a job do yo..."; qa_date = "2012-01-31"; qa_banner = ""; qa_thumbnail = ""; feature2_title = "Homeownership"; feature2_headline = "Happy and They Know It"; feature2_subheadline = "Own your home? If you do, there\'s a good chance your satisfied with your situation, says a recent homeowner survey"; feature2_author = ""; feature2_excerpt = " Over the past few years, there has been plenty to be unhappy about in regards to the housing market. But those who own their home are feeling pretty good. Nearly three-fourths (72 percent) of homeowners said they were satisfied with owning a home, according to HomeGain.com\'s 2012 National Home Ownership Satisfaction Survey. The top reasons for homeowner satisfaction were pride of ownership and being in control of what types of improvements and upgrades to make in the home. Only a quarter (24 pe..."; feature2_date = "2012-01-31"; feature2_banner = "http://content.contentthatworks.com/images_articles/2012/realestate/realestate_20120131_owners_banner.jpg"; feature2_thumbnail = "http://content.contentthatworks.com/images_articles/2012/realestate/realestate_20120131_owners_banner_thumbnail_feeds.jpg"; Stat_title = "High-Def Adopters"; Stat_headline = "69"; Stat_subheadline = ""; Stat_author = ""; Stat_excerpt = " Percentage of U.S. homes that have at least one HDTV, an increase of 52 percent over the past 5 years. Source: Leichtman Research Group, Inc."; Stat_date = "2012-01-31"; Stat_banner = "http://content.contentthatworks.com/images_articles/2012/realestate/realestate_20120131_stathd_banner.jpg"; Stat_thumbnail = "http://content.contentthatworks.com/images_articles/2012/realestate/realestate_20120131_stathd_banner_thumbnail_feeds.jpg";