Mortgage charges are at a 23-year high and the drop marks the slowest month-to-month tempo of sales since October 2010 through the foreclosure disaster. The National Association of Realtors says gross sales of existing homes fell four.1% in October. ABC News’ Brad Mielke breaks down the pattern of office buildings being converted into housing and the most important ramifications. New research from CBRE says that purchasing a home is roughly 40% more expensive than renting and will stay that way for five years. NeoLiv…