The fallout is likely to be widespread, and felt most immediately by homeowners and people looking to buy a house.

To build an oven for an individual homeowner looking for the latest patio trophy, his fee is $5,000 to $7,000 (www.ovencrafters.net).

But the formulas are often complex, and homeowners looking for easy equations to check their tax figures will be out of luck.

For most banks, the mortgage market was active in 1992, with many homeowners looking to refinance existing loans to take advantage of lower interest rates.

In the case of a refinancing, the "live free" mortgages were issued to homeowners looking to reduce their monthly mortgage payments.

A homeowner looking for an insulation contractor should check with one of the industry trade groups.

This measure also provides a $6,500 "move up" credit to homeowners looking to purchase a new home.

Current job seekers, he said, include homeowners looking to extricate themselves from trouble as mortgage rates rise and home prices appear vulnerable to a decline.

Unfortunately, and far too often, homeowners looking for mortgage help end up victimized by scam artists.

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