housing market

--The biggest U.S. mortgage lender, said it will change the terms on $16 billion of adjustable-rate mortgages. --Countrywide said about 52,000 customers with subprime loanscan refinance into prime or government-backed mortgages, whichusually have lower rates, through next year, the Calabasas,California-based company said today in a statement. --Neumann Homes Inc.will file for bankruptcy, becoming the second-largesthomebuilder to seek Chapter 11 protection from its creditors. --2Y Trea Notes gained after Countrywide Financial Corp.,