Devoted to interest rates, loans, and lending institutions

When it comes to mortgage financing, no amount of "economic stimulus" has been able to change housing affordability. In many areas of the country, reports CNN Money, middle class service workers are still unable to buy a home:

"We hear a lot about the 'information economy,' but most working families are still employed in traditional service occupations. In many metro areas, these families continue to face home prices and rents that are beyond their means, and as a result, employers have a difficult time attracting a quality workforce," said Jeffrey Lubell, executive director of the Center.

 So, even though home prices are dropping, there are still plenty of people who still can't afford to buy a home. And, with lending standards tightened due to the credit market crisis, it is even harder for middle class workers to qualify for mortgage financing. And that's something no tax rebate can fix.