Talking Points As the housing market continues to struggle for stabilization, many homeowners are turning to strategic default. Almost 11 million homes are now underwater, according to Corelogic. Around 3.5 million homeowners are behind in their payments...

HousingWire The Treasury Dept. and the Federal Housing Administration will issue new rules in the coming months allowing borrowers to appeal mortgage servicer decisions under certain modification programs. Read the full story...

The New York Times Those who have issues with their mortgage lenders now have another place to take them: The Consumer Financial Protection Bureau, which began accepting such complaints and inquiries this month. Read the full story...

CNNMoney Sales of homes in foreclosure comprised 20% of all U.S. residential sales during the third quarter, according to RealtyTrac. Read the full story...

The Mercury News Declining house values create great opportunities for homeowners to contest their property tax bills and potentially save big money. Read the full story...