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RATES, TRENDS and MORE
Weekly survey: Mortgage rates dip again -- A disappointing employment report causes fixed rates to drop for the sixth week.
PLUS: Average rates and point in top 10 markets

2004 Home Buyer Guide2004 Home Buyer's Guide -- Whether you're a first-time buyer or a home-swapping veteran, there's plenty of valuable information packed into Bankrate's new guide.
PLUS: Bankrate's Guide to Moving

Mortgage Rate Trend Index -- Find out which way rates are headed from our panel of experts. First-Time Home Buyer's Guide -- Jeff Gregory's blog discusses the relevant issues and offers advice for all types of first time home buyers.

Ask Bankrate"Ask Bankrate" helps people make tough financial decisions with customized advice. Focusing on mortgages, we help you with decisions like: 15 vs. 30 years, Should you pay points?, Fixed vs. adjustable? And more ...

Tax Talk: Avoiding capital gains on home-sale profits -- Most homeowners will be able to avoid tax on their sale profit, through either the full or partial home-sale exclusion rules.


REAL ESTATE ADVISER
Real Estate Adviser Steve McLindenProperty labels can influence financing, taxes -- Applying the words primary, secondary or investment to a real estate property can mean big bucks when it comes to financing and taxes, says Steve McLinden. Write to the Real Estate Adviser
REAL ESTATE CATEGORIES

BUYING

Buying Mexican real estate gets easier -- Some 1.5 million Americans have discovered that the old barriers to doing business are falling away.
PLUS: 5 questions to answer when buying Mexican real estate

Vacation homes for the rest of us -- You, too, can own a vacation home, even if you're not rich. The trick is in avoiding the property-management middleman.

Joining the crowd in real estate investment clubs -- A stagnant stock market and skimpy savings instruments have thousands of frustrated investors turning to real estate.

Should you be your own general contractor? -- You can save money, but it's a tough job and you'll pay for the savings with sweat and stress.
PLUS: 12 tips for building your own home

SELLING

8 common real estate deal breakers -- Buying or selling a home is a delicate transaction that can easily be derailed.

'Staging' your home for a quick sale -- Your home may have great curb appeal, but what about its couch appeal?

Capital gains and your home sale -- Since the rules changed in 1997, a home sale offers one of the best tax breaks around.

FINANCING
How to save for that down payment -- There are many ways. Some strategies are for people who have some money saved up somewhere, others are for people who are practically broke.
IMPROVING
Retrofitting your house for the next disaster -- Whether your area is prone to floods, hurricanes, tornados or earthquakes, you can spend big bucks to protect your home. But will it be cost effective?

20 secrets to a flourishing frugal garden -- You do need a green thumb, but you don't have to splurge to create your own little Eden.

8 hazards common in older homes -- If you fall for the charms of an older home, be prepared for potential problems, and keep that checkbook handy!

Avoid home remodeling snafus -- Some 20 million American homeowners will contract home-improvement jobs this year. Not all will end happily.

How to hire a contractor -- Remodeling your home is not something you do every day. Here's how to be selective when choosing a contractor.

Making your home bird-friendly -- Want to encourage feathered friends to visit your property? There's more to it than just putting up a bird feeder.

MOVING

Big savings for short-term housing -- Need a place to live for three or four months? To find an alternative to pricey hotels, think outside the box. How about staying in a monastery or an RV?

So you want to rent out your old home? -- To the unsuspecting rookie landlord, especially an absentee one, the renting pitfalls can be deep.
PLUS: 7 questions for would-be landlords


Moving timeline -- If you're buying or selling a home, you've got a lot to do. Here's a handy timeline for setting up your move.

FUN STUFF
Selling your house? Bury a saint -- An old tradition says burying a statue of St. Joseph in your yard can help to speed a sale.

A model way to get new furnishings -- Looking to pay 10 cents on the dollar for designer furniture? Check out model homes in your area. Sometimes the quality furniture on display is for sale.

Make a serial killing in real estate -- Buying and selling a primary residence every few years could result in tidy tax-free profits.

Is your home a potential gold mine? -- Savvy homeowners can cash in by using their own homes to make extra money.

Are you ready to be a real estate mogul? -- If you think you have an eye for spotting a bargain and really know what makes a good investment, take our test. You'll see if you're a chump or a Trump.

Buying house plans online -- The Internet has elevated house-plan ogling to a science, but moving beyond the daydreaming phase takes work and knowledge.

Hollywood homes: Where the stars shine -- Today's younger stars are moving out of secluded mansions into smaller, more functional homes -- but bigger names still carry bigger price tags.


Buffy the real estate player -- Sarah Michelle Gellar scratched her TV series, but just started her real estate career. Moving in with Freddie Prinze Jr., Gellar's sold her home for $1.7 million.

Dealing with disasters when you're a renter -- You have insurance for your personal property, but what are your rights when it comes to getting the structure itself fixed?

Turn your basement into a rental -- If you don't mind having a stranger below, you'll need to consider everything from appliances to zoning.

Landlord's horror stories -- It's not a job for the faint of heart. Eight ways to protect yourself and your rental property from the "Tenants from Hell. "

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