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RATNER GETS DIBS ON DOWNTOWN LOT

By STEVE CUOZZO

NEW York Times headquarters developer Bruce Ratner is poised to snatch up one of Manhattan's prime building sites. His Brooklyn-based Forest City Ratner just beat out a brace of bidders for NYU Downtown Hospital's coveted parking lot - where a huge tower can be built without zoning changes.

THE BRONX IS UP!

By JOANNA WALTERS

David Huggins and David Nigro are reaping the rewards of pioneering. The couple, a Wall Street trader and a computer programmer, felt they were moving to the end of the earth when they bought their 1890-built house in the South Bronx in 1999.

FIVE SIGNS YOUR NEIGHBORHOOD IS GENTRIFYING

By ALISON ROGERS

1 - It gets a new name. "The new Bedford-Stuyvesant"? "Downtown Bronx"? Once local politicians and realtors want to convince wary Manhattanites that it's okay to cross a bridge, they start picking names out of a hat. Can "SoBro" be far behind?

FAITH'S NEW HOME

By BRADEN KEIL

GIMME SHELTER Can perky Southern belle Faith Ford fit in with us jaded New Yorkers? We'll find out soon enough. The blonde Louisiana-born actress, perhaps best known as the pert reporter Corky Sherwood in "Murphy Brown," is hedging her bets by renting - not buying - an apartment on the Upper West Side.

TREE HOUSE, $1M

By LISA KEYS

For a million dollars, you can get a four-bedroom house in the suburbs, a swanky, but small, condo in Manhattan - or the raddest tree house ever.

DEADLINE DILEMMA

By JANE REILLY MOUNT

DON'T PANIC Q: I'm buying a home and I've locked in my mortgage rate. What do I do if the rate is about to expire, but my bank is dragging its feet?

FEEDING FRENZIES

By KATHERINE DYKSTRA

Call them the hotcakes buildings, because that's how fast they're selling. Even though the ribbons won't be cut until 2004, both the Gretsch, located in Brooklyn, and Morton Square, located in Manhattan, are drawing buyers now.

JUST SOLD!

MANHATTAN LOWER EAST SIDE
$330,000 550 Grand St. Two-bedroom, one-bath co-op, 1,000 square feet, with beamed ceilings, windowed eat-in kitchen, spacious closets and river/Midtown/downtown views; building provides concierge service, laundry room, private park, children�s playroom and 24-hour security with video cameras. Maintenance $601, 21 percent tax-deductible. Asking price $339,000, on market three months. (Broker: LoHo Realty)

NEW LOFTS FOR ARTISTS

By TINA TRASTER

Not to be outdone by SoHo and DUMBO, Jersey City wants a "happening" arts district.

HOME SHOPPING CLUB

By CHRISTINA TAM

Frette
560 Seventh Ave., at 40th Street, 2nd floor
(718) 747-1656

BERKSHIRES, 24/7

By STEPHANIE LOSEE

Mel Greenberg remembers when Great Barrington, Mass., was quiet. He moved in 10 years ago - even before the movie theater came - and there were just four homes listed for over $1 million.

MISSING THE POINTS

By DAN LEVINE

If you're looking at mortgages, chances are you've already heard of discount points. What you may not know is how hard you should try to avoid paying them.

DISCOUNT POINTS' EVIL TWIN

By DAN LEVINE

While you're looking at loans, be aware that there are actually two kinds of points: discount points and origination points.

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