line." >>> the first good news in months for homeowners. a rare sign of life in the spring selling season. good morning, everyone. i'm christine romans. but the fact remains, the value of your biggest asset is down some 30% over the past few years. the housing market has changed and so have you. what you need to know if you own a home, want to buy one or rent. plus, is it ever okay to walk away from that mortgage even if you can afford to pay? let's start with the american dream of owning a home. if you're a buyer it's a dream market, only if you can get the loan. with ten of the nation's largest mortgage lenders denying almost 27% of loan applications last year, that's up from 23.5% in 2009. this is according to "wall street journal" analysis. if you're a seller it's a