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Examines how U.S. lenders, including Fannie Mae and Freddie Mac, have changed their approach towards people who fall behind on mortgage payments. Decision to reduce the rate at which they repossessed homes; Replacement of foreclosure with altered loan payment schedules; View that the risk is paying off as the economy recovers; Avoidance of large losses; Consequences of the policy shift for individuals.

Discusses a trend of customization in mortgage lending in the United States. Multitude of mortgage options available to home buyers; Reasons for this trend, including a cash surplus among banks; Low home equity lines of credit offered by some banks; Risks and benefits of variable loans and lines of credit; Example of a mortgage-seeking couple. INSET: The Finer Points.

Reports on the factors that bolster the growth of consumer spending in the U.S. Effects of low mortgage rates on the economy; Impact of low energy rates on consumer spending; Details on the effect of tax rebates on the consumer.

Deals with the status of the housing construction in the United States as of November 18, 2000. Increase in the annual rate of housing construction; Mortgage rate averages in housing; Increase in multifamily housing projects in the country.

Reports on the increase in mortgage rates in the week ending October 6, 2000 according to the Federal Home Loan Mortgage Corporation.

Reports that the rate for 30-year mortgages has dipped to its lowest level in the week ending October 6, 2000, according to Freddie Mac. Rates for the 30- and 15-year mortgages; Information of 30- and 15-year mortgages in 1999.

Reports on the average growth of interest rate for 30-year mortgages as of August 2000 in the United States according to Federal Home Loan Mortgage Corporation. Drop of fifteen-year mortgage rates; Home sales growth in July 2000.

Reports on the decrease in the average interest rates of fixed-rate mortgages in the United States. Demand of lenders on one-year adjustable-rate mortgages.

Details the decline in new-home sales in the United States in April 2000. Rise in mortgage rates since the Federal Reserve started raising borrowing costs in June 1999; Decline in the manufacturing index of the National Association of Purchasing Management-Chicago.

Reports the increase in the average interest rate on 30-year fixed-rate mortgages in the United States. Survey conducted by the Federal Home Loan Mortgage Association.

Reports on the decline in the average interest rate on 30-year fixed-rate mortgages in the United States in April 2000. Average initial rate being asked by lenders on one-year adjustable rate mortgages.

Reports on the average interest rate on fixed-rate mortgages as of April 15, 2000 in the United States. Percentage of increase in interest rate.

Reports on the decline of the average interest rate for fixed-rate mortgages in the United States as of April 15, 2000. Details on the decline.

Reports on the decline in mortgage rates in the United States as of March 2, 2000. Percent decline in the average interest rate on 30-year mortgages; Percent decline in the average rate on 15-year mortgages; Initial rate on one-year adjustable-rate mortgages.

Reports that rates on 30-year fixed-rate mortgages were unchanged for the week of February 4, 2000 in the United States. Survey of the Federal Home Loan Mortgage Corp. on the rates; Average initial rate on one-year adjustable-rate mortgages.

Reports that mortgage rates hit their highest level since April 1997 to January 2000 amid fears that the United States Federal Reserve will raise interest rates in February 2000.

Reports on the decline in the average interest rate on 30-year fixed-rate mortgages in the first week of November 1999. Percent decline in the mortgage rate; Rate of fifteen-year mortgages and one-year adjustable-rate mortgages.

Reports the sales decline of existing homes due to high mortgage rates in the United States in September 1999. Rate of housing sales according to the National Association of Realtors; Consumer demand for existing homes; Comment from Mark Vitner, economist at First Union company.

Reports on the average interest rate on fixed-rate mortgages in the United States for the first week of October 1999. Rate of increase for 30-year mortgages; Average for 15-year mortgages; Interest rates for adjustable rate mortgages.

Details the status of the average interest rate on 30-year fixed rate mortgages in the United States according to a survey released by the Federal Home Loan Mortgage Corporation. 15-year mortgages; Average initial rate; Other mortgages.

Reports on a survey released by Freddie Mac which found an increase on the average interest rate on fixed-rate mortgages in the United States. Rate of increase.

Reports the decrease on the average interest rates of mortgages in the United States as of August 26, 1999. Percentage decrease of the interest rates.

Reports the decrease of average interest rate on 30-year fixed-rate mortgages in the United States as of August 20, 1999. Details on the decreases.

Reports the increase of benchmark home mortgage rate in the United States as of August 1999. Percentage of the increase reported.

Reveals the results of a survey by Federal Home Loan Mortgage Association on the decline of the average interest rate on a 30-year fixed-rate mortgages in the United States for the week ending July 23, 1999. Average initial rate that were asked by the lenders.

Provides information on mortgage rates in the United States. Average interest rate on 30-year fixed-rate mortgages; Details on the survey released by Federal Home Loan Mortgage Corp.; Average of fifteen-year mortgages.

Reports on the drop in the average interest rate on 30-year fixed-rate mortgages in the United States. Average of fifteen-year mortgages; Drop in one-year adjustable-rate mortgages.

Provides information on the unexpected rise on the sales of new homes in the United States (US) in April 1999. Reasons for raising interest rates; Annual rate of sales percentage based from the report of the US Commerce Department; Information on the rising mortgage rates; Average rates for 30-year fixed-rate mortgages; Median price of new homes.

Looks at the status of mortgage rates in the United States during February 1999. Rates on 30-year fixed-rate mortgages; Fifteen-year mortgage; One-year adjustable-rate mortgages.

Reports on the increase of mortgage rate benchmark in the United States as of March 4, 1999. Details on the report from the Federal Home Loan Mortgage Corp.

Reports the decrease in average mortgage rates in the United States as of January 30, 1999. Average rate for 15-year mortgages; Information on the initial rate of one-year adjustable-rate mortgages.

Reports on the increase of home resales in 1998 in the United States. Percentage increase in resales according to the National Association of Realtors; Status of mortgage rates; Prediction from the association regarding sales for 1999.

Reports on the rise of the benchmark United States mortgage rate in January 1998. Increase in the average rate on a 30-year fixed-rate mortgage and on an adjustable mortgage.

Reports on the rise of mortgage rates in the United States as of December 31, 1999. Percentage of increase; Average rate of 30-year fixed-rate mortgages.

Announces the increase in the interest rate on fixed-rate mortgages in the United States as of the second week of December 1999. Rate of increase for various types of mortgages.

Reports that Fannie Mae and Freddie Mac will raise their price limits for single-family mortgages in the United States in 2000. Percent increase in mortgage prices; How the increased limits could help more people obtain mortgages; Estimated mortgage price for two-family properties and three-family properties.

Reports the decline in the thirty-year fixed-rate mortgages in the United States. Percentage decline in the one-year adjustable-rate mortgages; Percentage decline in the fifteen-year mortgages.

Reports on the continuous slide of mortgage rates in the United States as of November 1998. Average mortgage rate; Opinion on the rate cut.

Reports on the decline of the average interest rate on 30-year fixed-rate mortgages on November 19, 1998 in the United States. Initial rate that lender were asking for one-year adjustable-rate mortgages; Average of the add-on fees known as points.

Reports on the increase in the average interest rate on 30-year fixed-rate mortgages in Washington D.C. Average rate of the mortgages.

Reports on home mortgage rates in Washington D.C. during the week ending March 6, 1998. Increase in 30-year mortgages; Percentage increase in 15-year loans; Performance of one-year adjustable rate mortgages.

Reports that during the week of February 9, 1998, the average rate on 30-year fixed rate mortgages increased from 7.03 to 7.06 percent. Details on other statistics released by the Federal Home Loan Mortgage Corporation on February 12, 1998.

Reports on the increase in the fixed-rate mortgages for the week of January 26, 1998, in the United States. Statistical information on the increase, as issued by the Federal Home Loan Mortgage Corporation on January 29, 1998.

Editorial. Focuses on the United States President Bill Clinton's administration plans to increase the limit on home mortgages insured by the Federal Housing Administration from about $170,000 to $220,000. Effects of insuring mortgages made by private lenders; Views of many community groups on the administration's plans.

States that during the week of January 5, 1998, mortgage rates fell below seven percent. Statiscal information on the decrease as reported by the Federal Home Loan Mortgage Corporation.

States that during the week of December 22, 1997, thirty-year fixed-rate mortgages fell below seven percent. Significance of the decrease; Details on the decrease as reported by Freddi Mac.

Reports on the decline in mortgage interest rates to a 22-month low during the week ended December 20, 1997 in the United States. Average rate on 30-year fixed-rate mortgages; Details on fifteen-year mortgages; Information on one-year adjustable-rate mortgages; Statistics on the rates.

Reports on an increase in the average rate of fixed-mortgages the week of December 7, 1997, up from the previous week. Percentage average of fifteen-year mortgages; Average initial rate being asked by lenders on one-year adjustable-rate mortgages.

Discusses the increase in average interest rates of mortgages in Washington, D.C. for July 3rd, 1997. Statistics highlighting the increase.

Presents statistical information on the increase in mortgage rates in the United States on May 29, 1997.