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By early April, both chambers of Congress are likely to tie the bow on a bill that would expand the reach of the Federal Housing Administration, which aims to provide safe loan alternatives to subprime mortgages and make homeownership more accessible.

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The benchmark 30-year fixed-rate mortgage fell 10 basis points, to 5.78 percent, according to the Bankrate.com national survey of large lenders. A basis point is one-hundredth of 1 percentage point. The mortgages in this week's survey had an average total of 0.36 discount and origination points. One year ago, the mortgage index was 6.31 percent; four weeks ago, it was 5.88 percent.

The good news: mortgage rates are down. The bad news: it's much harder to qualify for a refinanced loan these days. What's more, the borrowers who need to refinance the most - because their adjustable rate mortgages (ARMs) are resetting to higher interest rates - are among those having the most trouble winning approvals.

The epicenter of foreclosures shifted to the booming city of Las Vegas at the end of 2007. Seven of the top 100 worst-hit zip codes last December were in the gaming capital, according to statistics compiled for CNNMoney.com by RealtyTrac, the online marketer of foreclosure properties.

The troubled housing market is not bad news for everyone. Business is booming for mortgage brokers refinancing thousands of Colorado Springs home loans. Experts predict the movement is a reaction to this week's Federal Reserve announcement.

Congress is about to sell us the biggest fraud in American history. It's been highly touted as an economic stimulus bill that will help millions of Americans - and has the backing of both President Bush and House Speaker Nancy Pelosi. In the coming year, individuals would receive rebates of up to $600 and families up to $1,200. There are other goodies, too, including tax write-offs for small businesses and an expansion of the child tax credit.