A SELLER'S PRAYERS in a SLUGGISH MARKET

In the spring of last year, I was doing everything possible to sell the condo I had owned for two years, but I was having little success.

It had already been on the market for about five months. I was concerned because I had an adjustable rate mortgage, a loan subject to changes in interest rates. With two daughters in college and big expenses looming, this type of mortgage had seemed logical at the time of the purchase. But it was proving to be financially out of my reach. The longer the condo remained on the market, the higher the mortgage principal climbed. And almost every Sunday, the front page of our local newspaper pointed to the sluggish real estate scene. People all over the country were struggling with the same problem, and I was beginning to feel very discouraged.

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December 31, 2007
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