From the article: Home values have declined across the country, giving homebuyers the best buys they’ve had since 2004. According to a recent article at CNNMoney, it’s the best time to buy a house in the past four years. Home prices have dropped so quickly and so far that valuations - the difference between what a home should cost and its actual price - are the lowest they’ve been since 2004, according to a report. The Cleveland-based bank National City Corp., together with financial analys Borrowers can stay involved with their mortgage dealings by applying for a mortgage online. With traditional mortgages, lenders may not give out enough information, leaving the borrower practically in the dark throughout the whole process.