Contents

Cover Story

The time to refinance is over; the purchase market is back. What do agents need to know about product guideline changes? And what about buyers re-entering the market after a foreclosure, short sale or bankruptcy? Find out in our cover story here.

Also…

• Increase Your Business with FHA 203k Loans
• 5 Ways To Get Your Clients the Best Rate
• Are Interest Rates Hindering Homebuying?
• When Can Buyers Re-Enter the Market? 

Editor’s Note

• The Winds Of Change

News

• FHA Gets $1.7 Billion in Bailout Funds 
• Is the Mortgage Industry Obsolete?

Agent Snapshot

• Anthony Marinaccio, Senior Vice President, Key Mortgage Services, Gold Coast

The Scene

• Richelieu Flats Grand Opening Party

Ask A Lender

• Ben Cohen, Guaranteed Rate

By the Numbers

• How Does Financing Vary by Suburb/Neighborhood?

My Style

• Gianna Burdi, Broker, Coldwell Banker Residential Brokerage, Oak Brook