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Itfalls and you'll save time, money and aggravation. ...And the 5 steps to get the best possible rateIf you're in the market for a home, there are five things you can do right now that will help you qualify for the cheapest possible mortgage. Home prices off a bit from springBut only a bit. Nationwide, the median sales price was only a couple of thousand dollars lower than the near record highs reached earlier this year. And in most cities, prices actually went up. How to cope with rising mortgage paymentsHow much is your bill going up? $100 a month? $200 a month? $300 a month? $400 a month or more? We have dozens of ideas for managing your biggest, most important debt. 4 good reasons to refinance nowRates are good. So if you're paying 7% or more, have an ARM that's going up, need to tap your home's equity or can afford to pay your home off more quickly, refinancing is for you. Hot topics Home prices How they're changing in 140 cities First-time buyer Which mortgage is right for you? Decision Tools Calculators Mortgage loan payment calculator How much home can I afford Rent vs. buy calculator Interesting bloggers Make Love, Not Debt How do you surprise your significant other with a holiday gift when you share a checking account? Blogging love birds Him & Her need some advice. More» "The home ownership bug" has bitten Him. He's devoting hours to mortgage calculators (ours of course) and virtual home tours. But can you buy a house with $134,000 in student loans? More» It's Just Money LA Money Guy added $1,611 to his net worth last month but doesn't see how he'll r

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