Mortgage rates are at an all-time low, and now that prices havenearly reached bottom, it is time to start thinking about buying ahome or taking out a second mortgage on your existing home orrental property. With uncertain economic times come greatopportunities for those who are willing to invest and who have theresources to fall back on when things start to change. Whetheryou're looking to refinance or build upon the equity you alreadyhave vested into your home, analysts agree that the housing climatethat exists right now will continue to be a perfect buyer's marketfor when you decide the time is right to buy up a new piece of landor a house.Even though it may seem like property values are falling, as theeconomy begins to recover, your investment in a new piece ofproperty can literally tur