As Fannie, Freddie, and the FHA all go bankrupt one day, I anticipate the debates about who caused the problem.  Was it:

the Fed for keeping rates so low and causing a bubble?
Congress for requiring and pushing the lenders to make loans to people who could not afford them?
the banks for their “predatory” pricing and foreclosure [...]

I’ve posted several times about my frustrations with the real estate industry and the home buying process in general.  I think we’re now up to around 15 offers with no success.  While it’s tempting to just give in and start throwing out crazy offers, we’ve been disciplined so far and have tried to pay market value [...]

When I started looking for a home, I wanted to look at foreclosures.  It seemed like an opportunity to find a great deal and would give us flexibility to fix things up with built-in equity. 
I quickly found the usual state of disrepair was enough to kill my interest.  Especially since these homes are always [...]

My perspective is skewed… Driving home from work yesterday, I heard an advertisement from a bank with a snippet like this… “Sterling Bank - with over $4.2 billion in assets and no subprime investments.”  
My initial reaction?  Man! Why would I want to give my money to an institution that wasn’t smart enough to make any [...]