When you’re helping clients navigate one of the most important financial decisions of their life, you must be confident dealing with numbers. Take this test to measure your skills.

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Unfortunately, short sales are a reality for home owners who owe more than their property is worth. If you have patience, persistence, and a knack for problem-solving, this niche could be for you.

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The loss of open space is prompting many Americans to decry gated residential communities, many of which block access to hiking trails and other areas once at the disposal of the public.

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Banks are holding out tantalizing offers to persuade customers to borrow more on their home-equity lines of credit. Why? Because over the last six months, what borrowers owe on these lines has slipped to $561 billion. This is the first such decline since 1999, according to data from Equifax and Moody’s Economy.com.

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Mortgage lenders are tightening standards in ways that can make it much more difficult for potential borrowers to get approval for loans.

The new standards fall into the following areas, according to Wells Fargo & Co. and other large lenders:

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