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Some houses sell even before they formally hit the market – through a controversial technique known as “pocket listings.”

Who says lenders need to charge you a cash down payment when you take out a mortgage in this era of hyper-strict underwriting?

With full-fledged sellers’ markets underway in dozens of metropolitan areas around the country, new research has found curious statistical patterns emerging: Even in cities where listings get multiple offers within days or hours, significant numbers of homes are sitting on the market for six months, 12 months or more with no takers.

Using your home as an ATM no longer is a financial option, but the tools that allowed owners to pull out massive amounts of money during the boom years – equity credit lines and second mortgages – are making a comeback.

They’re back after barely a decade: Escalation clauses in real estate contracts, “naked” contingency-free offers and lowball-priced listings designed to pull in dozens of bidders and turn routine sales transactions into auctions.

Got a beef with your mortgage company or loan servicer? Lots of people do, and thousands of them have been turning to a federal complaint hotline for action – or at least a quick response from the lender.

If you buy or own an energy-efficient house, does this make you less likely to default on your mortgage? Is there a connection between the monthly savings on utility costs and the probability that you’ll pay your loan on time?

When it comes to energy efficiency and “green” features in homes, there’s a chasmic disconnect in the marketplace among consumers, real estate appraisers and the nation’s realty sales system.

Home equity is back! And it’s growing fast: According to the latest data from the Federal Reserve, Americans’ net equity holdings in their houses jumped by nearly half a trillion dollars during the last three months of 2012, and have increased by $1.7 trillion since the spring of 2011.

Could rental houses owned and managed by deep-pocketed hedge funds and big investors be the post-bust steppingstones to homeownership for huge numbers of renters?

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Kenneth Harney
Kenneth Harney, who lives in Washington, D.C., writes an award-winning column on housing and real estate.