With the first quarter of 2009 coming to a close if you are a homeowner you should be thinking about a few things:
-Push your lender for a "mortgage modification" if your current home is to expensive.
-Do not use credit cards or retirement funds to pay for a too expensive home.
-Stay informed about new programs, from lenders and the government, in the months ahead that aim to keep more homeowners out of foreclosure.
-Build a real savings fund; a HELOC should not be used for your safety net.
-Focus on your home's long term values, not its price change from month to month.
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