Interest rates have some effect or influence, but there are a number of other factors (unemployment, economic outlook, population growth, household creation/consolidation, consumer confidence, tax codes, etc.) that are more powerful in determining housing prices.

I know one of the ingredients was a Pool item (ph factor, chlorine ??).

I annualize my expected income and add in a 8-12% vacancy rate (average for US households).

Our household income is between $160k - $175k annually and our credit is good.

.*)CONSUMER LOANS DEFINED: Loans to consumers (natural persons) that are for personal, family or household use.* NMLS does not require that an originator have an NMLS endorsement to originate NON-CONSUMER loans secured by a 1-4 family residence.

After that, I transfer an amount to my joint checking for household bills.

It is a chlorine dioxide gas - which is safe to breathe in the quantity this packet produces.  

I had loaned him some household items, and he has several dishes in his room. 2) He has stated in email and text msg that he plans on removing his things on Monday 2/25.

A dwelling-house, as such,contributes nothing to the revenue of its inhabitant; and though it is, no doubt, extremely useful to him, it is as his clothes and household furniture are useful to him, which, however, make a part of his expense, and not of his revenue.'

This sounds a lot like what many agents have told me.... but not what investors/banks are saying.US Median Household Income 2001-2007 UP 70% Could you cite your source for this?