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src="https://web.archive.org/web/20090512002309im_/http://blstb.msn.com/i/FC/7A80EF4D7FC69E6739A93DA2F3BCF.jpg" width="624" height="210" alt="Save on your mortgage while saving energy © Siri Berting/Getty Images"/></a><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19644866">Save on your mortgage while saving energy</a><div class="richtext"><p>Making energy-efficiency upgrades to a home can save you cash on a mortgage. <a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19644866">READ MORE >></a></p></div></div></div><div class="child c2"><h3>Video</h3><span class="imglink3 cf"><a href="https://web.archive.org/web/20090512002309/http://video.msn.com/?mkt=en-us&brand=money&vid=d53d406e-566a-4734-8e5e-321eeec12c97&playlist=videoByTag:tag:re_housing:ns:MSNmoney_Gallery:mk:us:vs:1&from=MSNRealEstate_home&tab=g1162414187000"><img src="https://web.archive.org/web/20090512002309im_/http://fp.images.autos.msn.com/Media/RE/130x78/85/8518a9d76400446c83eaa0b2f3c82612.jpg" width="130" height="78" alt="Why pay that mortgage? © Superstock"/></a><a href="https://web.archive.org/web/20090512002309/http://video.msn.com/?mkt=en-us&brand=money&vid=d53d406e-566a-4734-8e5e-321eeec12c97&playlist=videoByTag:tag:re_housing:ns:MSNmoney_Gallery:mk:us:vs:1&from=MSNRealEstate_home&tab=g1162414187000" onclick="return Msn.Navigation.OpenNew(event, this)">Why pay that mortgage?</a></span></div><br class="b3"/><div class="child c3"><h3>Slide show</h3><span class="imglink3 cf"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/slideshow.aspx?cp-documentid=18887372"><img src="https://web.archive.org/web/20090512002309im_/http://fp.images.autos.msn.com/Media/RE/130x78/69/697bde57b6d1463f917f1bc050db0393.jpg" width="130" height="78" alt="10 real foreclosure auction deals / Photo courtesy of Bid4Homes.com"/></a><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/slideshow.aspx?cp-documentid=18887372">Amazing auction deals</a></span></div><div class="child c4 last"><h3>Articles</h3><ul class="linklist16"><li class="first"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19443912">How to get the best mortgage rates in the country</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19134651">How to get a valuable first-time homebuyer credit</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19580208">No sale: Bank destroys newly built homes</a></li><li class="last"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19240202">Foreclosures surge back with a vengeance </a></li></ul></div></div></div><div id="area1" class="region6"><div class="parent chrome5 promo2 alt3 single1"><h2>FIND YOUR DREAM HOME OR APARTMENT</h2><div class="child c1 first"><script type="text/javascript">if (typeof(s_re)=='undefined')var s_re=s_gi('msnportalrealest');</script><form class="form1" id="frmSearch" method="Get" onsubmit="javascript:return validateHomeFinder(this, 'Enter City', 'Enter ZIP');"><div class="fieldset f1 first"><ul class="singlelist2 cf"><li><label for="radio1"><input class="radio" type="radio" name="radio" onclick="ChangeFormInput(this.value,'https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/03?cat=ExistingHomes');" id="radio1" value="Existing" checked="true"></input><strong>Existing Homes</strong><span>from REALTOR.com®</span></label></li><li><label for="radio2"><input class="radio" type="radio" name="radio" onclick="ChangeFormInput(this.value,'https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/06?cat=NewHomes');" id="radio2" value="New"></input><strong>New Homes</strong><span>from 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value="MI">MI</option><option value="MN">MN</option><option value="MO">MO</option><option value="MS">MS</option><option value="MT">MT</option><option value="NC">NC</option><option value="ND">ND</option><option value="NE">NE</option><option value="NH">NH</option><option value="NJ">NJ</option><option value="NM">NM</option><option value="NV">NV</option><option value="NY">NY</option><option value="OH">OH</option><option value="OK">OK</option><option value="OR">OR</option><option value="PA">PA</option><option value="PR">PR</option><option value="RI">RI</option><option value="SC">SC</option><option value="SD">SD</option><option value="TN">TN</option><option value="TX">TX</option><option value="UT">UT</option><option value="VA">VA</option><option value="VT">VT</option><option value="WA">WA</option><option value="WI">WI</option><option value="WV">WV</option><option value="WY">WY</option></select></div><div class="morelinks"><a href="https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/12?gate=msn&source=a2ms6t2t614&cat=SeniorLiving">Senior Living</a></div><input class="submit" type="submit" id="frmSubmit" value="SEARCH LISTINGS"/><div id="ExistingHiddenControls"><input type="hidden" id="type" name="type" value="1,2,3,4,5"/><input type="hidden" id="pgnum" name="pgnum" value="1"/><input type="hidden" id="mnbath" name="mnbath" value="0"/><input type="hidden" id="mnbed" name="mnbed" value="0"/><input type="hidden" id="poe" name="poe" value="realtor"/><input type="hidden" id="gate" name="gate" value="msn"/><input type="hidden" id="source" name="source" value="a2mszh1t042"/><input type="hidden" id="lnksrc" name="lnksrc" value="msnrdc004"/><input type="hidden" id="frm" name="frm" value="byzip"/><input type="hidden" id="js" name="js" value="off"/><input type="hidden" id="target" name="target" value="http%3A%2F%2Fg.msn.com%2F0USRE%2F03"/></div><div id="NewHiddenControls"><input type="hidden" id="gate" name="gate" value="msn"/><input type="hidden" id="source" name="source" value="a2msnh3t025"/><input type="hidden" id="SubmitTO" name="SubmitTO" value="homebuilder"/><input type="hidden" id="styp" name="styp" value="buy"/></div><div id="ForeclosureHiddenControls"><input type="hidden" id="password" name="password" value="msn"/><input type="hidden" id="accnt" name="accnt" value="159319"/><input type="hidden" id="zipOnly" name="zipOnly" value="false"/></div><div id="RentalHiddenControls"><input type="hidden" id="source" name="source" value="a2msah2t083"/><input type="hidden" id="gate" name="gate" value="msn"/></div><input type="hidden" id="sitename" name="sitename" value="" disabled="true"/></div></form></div></div><div class="parent chrome2 quad2 cf"><h2> highlights</h2><div class="child c1 first"><h3><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/BuyAndSell/default.aspx">Buy & Sell</a></h3><span class="imglink3 cf"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19688715"><img src="https://web.archive.org/web/20090512002309im_/http://fp.images.autos.msn.com/Media/RE/130x78/77/7711ca2e837a4c688874c15d4f001a04.jpg" width="130" height="78" alt="Readers react to demolition of homes"/></a><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19688715">Readers react to demolition of homes</a></span></div><div class="child c2"><h3><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/rent/default.aspx">Rent</a></h3><span class="imglink3 cf"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19550432"><img src="https://web.archive.org/web/20090512002309im_/http://fp.images.autos.msn.com/Media/RE/130x78/11/1151033d6f35482bb5b9b6ec2df6e9e2.jpg" width="130" height="78" alt="How to find a great roommate"/></a><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19550432">How to find a great roommate</a></span></div><br class="b3"/><div class="child c3"><h3><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/loans.aspx">Loans & Financing</a></h3><span class="imglink3 cf"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=18351899"><img src="https://web.archive.org/web/20090512002309im_/http://fp.images.autos.msn.com/Media/RE/130x78/53/5381be894f794d609e4673fdd80c8f30.jpg" width="130" height="78" alt="Subprime lenders eye appraisals"/></a><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=18351899">Subprime lenders eye appraisals</a></span></div><div class="child c4 last"><h3><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/HomeAndGarden/default.aspx">Home & Garden</a></h3><span class="imglink3 cf"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/slideshow.aspx?cp-documentid=19563078"><img src="https://web.archive.org/web/20090512002309im_/http://fp.images.autos.msn.com/Media/RE/130x78/0d/0d91f75f99d74307b8067b7f3398f9a4.jpg" width="130" height="78" alt="1 smart house: 18 home-tech lessons"/></a><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/slideshow.aspx?cp-documentid=19563078">1 smart house: 18 home-tech lessons</a></span></div></div><div class="parent chrome2 quad1 cf layout"><div class="child c1 first focus"><h3> articles & advice</h3><div class="imglinkabs5"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19580208"><img src="https://web.archive.org/web/20090512002309im_/http://fp.images.autos.msn.com/Media/RE/80x48/d2/d2f50d7a675540fb9fc4eadf785c5485.jpg" width="80" height="48" alt="Bank tearing down newly built homes"/></a><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19580208">Bank tearing down newly built homes</a><div class="richtext"><p>A bank is tearing down 16 new homes instead of trying to sell them.</p></div></div></div><div class="child c2 expert"><h3>Expert Advice: The Keno Brothers</h3><span class="imglink1 cf"><img width="150" height="114" alt="Keno Brothers" src="https://web.archive.org/web/20090512002309im_/http://blstc.msn.com/br/mktplaces/real/img/1/kenobrothers.gif"/><a href="https://web.archive.org/web/20090512002309/http://video.msn.com/?mkt=en-us&brand=money&vid=a4b45c78-7467-490a-aae0-57dc702f344b&playlist=videoByTag:tag:re_improvement:ns:MSNmoney_Gallery:mk:us:vs:1&from=MSNRealEstate_home&tab=g1162414122000" onclick="return Msn.Navigation.OpenNew(event, this)">Video: Play off your home's architectural style</a></span><a class="more" href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/experts/kenos.aspx">Expert's bio</a></div><br class="b3"/><div class="child c3"><ul class="linklist16"><li class="first"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19562262">Swap homes to land a cheap vacation</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19522018">May home-maintenance checklist</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19522126">7 home-selling blunders to avoid</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/listarticle.aspx?cp-documentid=19470685">5 roof repair tips</a></li><li class="last"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19423888">How long can a half-built house sit?</a></li></ul></div><div class="child c4 last discussion"><h3> discussions</h3><div class="linkabs1"><span><a href="https://web.archive.org/web/20090512002309/http://boards.msn.com/RealEstateboards/thread.aspx?threadid=919583">"What the government is forgetting is that you still need to have a job, money down and excellent credit to buy a home. I'm not impressed (with stimulus bill)."</a></span><div class="richtext"><p>-- depplep</p></div></div><a class="more" href="https://web.archive.org/web/20090512002309/http://boards.msn.com/RealEstateboards/board.aspx?BoardID=795">View More</a></div></div><div class="parent chrome2 double1 cf layout"><div class="child c1 first"><h3> more on msn real estate</h3><ul class="linklist16"><li class="first"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19688715">Readers react to demolition of homes</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/slideshow.aspx?cp-documentid=19563078">1 smart house: 18 home-tech lessons</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19580208">Bank tearing down newly built homes</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19562262">Swap homes to land a cheap vacation</a></li><li class="last"><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/article.aspx?cp-documentid=19550432">How to find a great roommate</a></li></ul></div><div class="child c2 last"><h3>home essentials</h3><ul class="linklist16"><li class="first"><a href="https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/19?gate=MSN&source=a20152&cat=HomeValues"><strong>Find home values</strong></a></li><li><a href="https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/03?gate=msn&cat=ExistingHomes">Existing-home listings</a></li><li><a href="https://web.archive.org/web/20090512002309/http://realestate.msn.com/buying/tools/HA_Calc.aspx">Home affordability calculator</a></li><li><a href="https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/12?gate=msn&source=a2ms6t2t614&cat=SeniorLiving">Senior housing</a></li><li><a href="https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/04?accnt=65108&password=&cat=Foreclosures">Foreclosure listings</a></li><li class="last"><a href="https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/13?gate=msn&source=a2msah2t083&cat=Rentals">Find an apartment</a></li></ul></div></div></div><div id="area2" class="region4"><div class="parent chrome1 single1"><div class="child c1 first"><div class="advertisement"><div id="adtext_300x250" class="adtext">advertisement</div><div id="ad300x250"><script type="text/javascript">Msn.Marketplaces.DapMgr.RenderAd("300x250", "\x26PG=REAR01\x26AP=1089",300,250,"StandAlone"); </script></div></div></div></div><div class="parent chrome5 promo2 alt3 single1"><h2>WHAT'S YOUR HOME WORTH?</h2><div class="child c1 first"><script type="text/javascript">if(typeof(s_re)=='undefined') var s_re=s_gi("msnportalrealest");</script><form id="frmHomeValuation" class="form1" method="get" action="https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/19?cat=HomeValues" onsubmit="javascript:REOmniture(this, 'HomeValues', this.action);" target="_self"><input class="lgtext" id="address" name="address" maxlength="1000" value="Enter address, city, state or ZIP." onblur="if(this.value=='') this.value='Enter address, city, state or ZIP.';" onfocus="if(this.value=='Enter address, city, state or ZIP.') this.value='';"></input><input id="submitBtn" class="submit" type="Submit" alt="SEARCH" value="SEARCH" onclick="address.value=(address.value).replace(/^\s*|\s*$/g,'');if(address.value=='Enter address, city, state or ZIP.')address.value='';"></input><input type="hidden" id="sitename" name="sitename" value="" disabled="true"/><input type="hidden" name="gate" value="MSN"/><input type="hidden" name="source" value="a20152"/></form></div></div><div class="parent chrome5 promo2 alt3 single1"><h2>HOME IMPROVEMENT PROFESSIONALS</h2><div class="child c1 first"><script type="text/javascript">if (typeof(s_re)=='undefined')var s_re=s_gi('msnportalrealest');</script><form id="smsearch_02" action="https://web.archive.org/web/20090512002309/http://realestate.msn.com/ServiceMagicResults.aspx" onsubmit="return SMValididateFields(this);" method="get"><p>Find local plumbers, electricians, contractors and more.</p><select name="cid" id="cid" onchange="if(typeof(btnGo)!='undefined')if(this.selectedIndex > 0) btnGo.disabled = false; else btnGo.disabled = true;"><option value="">Select a category</option><option value="-12001">Additions/Remodeling</option><option value="-12002">Air Conditioning</option><option value="-12005">Architects/Engineers</option><option value="-12014">Cleaning/Maid Services</option><option value="-12015">Concrete</option><option value="-12017">Decks</option><option value="-12019">Designers/Decorators</option><option value="-12026">Electrical</option><option value="-12030">Fences</option><option value="-12032">Flooring/Carpet</option><option value="-12036">Garage/Garage Doors</option><option value="-12046">Landscaping</option><option value="-12051">New Home Builders</option><option value="-12054">Painting</option><option value="-12058">Plumbing</option><option value="-12061">Roofing</option><option value="-12063">Sheds/Enclosures</option><option value="-12064">Siding</option><option value="-12073">Tile</option><option value="-12080">Windows</option></select><input id="smzip" class="smtext" type="text" name="smzip" value="Enter ZIP" size="9" maxlength="9" onblur="this.maxLength=9; if(this.value=='') this.value='Enter ZIP';" onfocus="if(this.value=='Enter ZIP') this.value=''; this.maxLength=5;"/><input id="btnGo" class="submit" value="Go" type="submit" disabled="true"/></form></div></div><div class="parent chrome5 promo2 alt3 single1"><h2>HOME AFFORDABILITY CALCULATOR</h2><div class="child c1 first"><form name="calc" class="form2" action="https://web.archive.org/web/20090512002309/http://realestate.msn.com/BuyAndSell/Tools/HA_CALC.aspx" method="get"><div><label class="text">Yearly gross income $</label><input class="medtext" type="text" name="YearlyGrossIncome" id="txtYearlyGrossIncome" value=""/></div><div><label class="text">Monthly debt payments $</label><input class="medtext" type="text" name="MonthlyNonMortgageDebtPayments" id="txtMonthlyNonMortgageDebtPayments" value=""/></div><div><label class="text">Cash available for purchase $</label><input class="medtext" type="text" name="MoneyAvailableForHomePurchase" id="txtMoneyAvailableForHomePurchase" value=""/></div><input type="reset" value="Reset" class="submit reset" onclick="javascript:document.calc.reset();return false"/><input type="submit" value="Calculate" class="submit"/></form></div></div><div class="parent chrome5 promo2 alt3 single1"><h2>FIND AN AGENT</h2><div class="child c1 first"><div class="imgabs1 cf"><img src="https://web.archive.org/web/20090512002309im_/http://blstb.msn.com/i/A6/EE732FCFE2229C6716DE7918D53A93.jpg" width="78" height="78" alt="agent"/><div class="richtext"><p><strong>Make buying and selling easier<br/>Find an agent today</strong></p></div></div><a class="more" href="https://web.archive.org/web/20090512002309/http://g.msn.com/0USRE/07?gate=msn&lnksrc=msnrdc001&source=a2msvt1t128&poe=realtor&cat=FindAnAgent">SEARCH</a></div></div><div class="parent chrome1 single1"><div class="child c1 first"><div class="advertisement"><div id="adContent_Ad"><script type="text/javascript">Msn.Marketplaces.DapMgr.RenderAd("Content_Ad", "\x26PG=REAART\x26AP=1089",300,250,"StandAlone"); 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