Investors and Homeowners had a tough year. It started with the Real Estate market crash and it ended, so far, with thousands and thousands of foreclosures.

As we all know, mortgage insurance companies are helping banks and homeowners avoid foreclosure. Surprisingly as it sounds these mortgage insurance companies will even put some of their own money to help homeowners make their mortgage payments.

Mortgage 80 20 was a trend, an easy access mortgage loan. Many people believed it was a mortgage-plan designed to help homeowners qualify to buy their dream home.

It's really not easy to get a loan today. Lending loans become a nightmare for some of us and the new dream is to get loans approved instead of dreaming about purchasing a home.

The falling dollar is a big concern for all of us, it started with the mortgage crisis a year ago then moved to the real estate market. Then oil started climbing its way up and now the whole economy is in a complete mess.

Have you heard the term "hard money," but you're not sure what it means? Perhaps you know what it is, but you're unsure where to find it. Hard money is financial backing from private investors in the form of a loan.