. >> announcer: from the global we sources of abc news, wither the roy moran, cynthia mcfadden and bill weir in new york city, this is "nightline," august 17th, 2010. >> good evening. we begin with further evidence of a soft economy. home loan raments set new lows this month. the average 30-year mortgage rate fell to 4.44%. the lowest since freddie mac records began in 1971. no time like the present to refinance your home? right? not so fast. even people with great credit are having a hard time securing a loan. are having a hard time securing a loan. vicki mabrey looks at what you need to know to score a loan in tonight's "realty check." >> reporter: when brian and suzanne were shopping for their first home, they thought they'd be a lock for a mortgage. they were shocked when they were denied. >> you know, we've been working for four years of our marriage towards getting our first new home and when we finally were ready to do that, and we went for the mortgage and we were totally denied it was just heartbreaking. >> i thought it was going to be easy. lease cars, purchased cars, i have a

bill clinton's toast was going to be the big barnstormer. but, actually it was marc's that toast that everyone talked about because he spoke so lovingly about chelsea. and he locked eyes withera and there was a slight sense and here of survival. we pulled it off. she's happy. she's found her way. and that feeling of they made it, too. >> we're not talking about the honeymoon. >> i can reveal they spent last night in the hotel pierre. >> you heard it here first from tina brown. thank you all very much. it was a glorious weekend. to see more photos of chelsea on big day, plus chelsea through the years, go to abcnews.com. >>> next, are you exhausted? dr. mehmet oz talks about how to tell if it's something serious. about how to tell if it's hing serious. ] 10...9.. a new school year has so much potential! any resolutions? my resolution is the same as always; keep her full and focused with my fiber. [ all ] 3...2...1... happy school year! [ female announcer ] this school year, make a resolution to give your kid kellogg's frosted mini-wheats cereal. an excellent source of fiber from 100% whole grain. that helps keep them full so they can focus on the day ahead. keeps 'em full... k