Cover Story

Tim Foley

Home Disadvantage

In this game almost every player wins—except for the cash-strapped homeowner


The Home Buyers

Average Jane and Joe, eager to own a piece of the American Dream. Unsophisticated about exotic mortgages such as option ARMs, which they use to buy pricier houses than they can afford. If they need to sell in a hurry, they may find that rather than building equity, they’ve buried themselves under a heap of debt.

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