Small brokers are finding ways to survive in today's market, says Don Cavency, president of US Mortgage Corp, Milwaukee. Lenders who don't have large sums committed to payrolls, leases and marketing campaigns can more easily handle revenue drops. Low mortgage rates and the $8,000 tax credit for first-time homebuyers have combined to boost house sales. Existing home sales leapt in July to their highest level in close to two years, reports the National Association of Realtors (NAR), Chicago. Median existing home prices slumped 15% in July compared with a year earlier, NAR adds. Lower housing costs make it easier for consumers to purchase. Creative Mortgage Group is doing more loan pre approvals currently as consumers shop for homes.