I’m not your typical homebuyer. The home I live in is the one I bought in 1981. I have not moved, although I’ve refinanced a number of times along the journey and I do own a second property that is a condominium rental.

Not being a serial homebuyer, constantly trying to move up to a bigger home, has, quite frankly, put me out of the loop on a number of very basic issues. For example, I didn’t realize that home loans could no longer be "assumed" until I received an e-mail from one of my readers who had what he says was a way to solve the foreclosure crisis.

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