The Fanie Mae bailout saga continues.

It’s been a tough year for Fannie Mae and Freddie Mac, the two mortgage finance firms taken over by the government last year. So bad, in fact, that Fannie Mae just asked for $15 billion more in bailout funds to help cover $19 billion in loses just between July and September of this year.

It’s the fourth time that Fannie Mae has asked for state aid. Along with Freddie Mac, the two ailing firms have asked for more than $100 billion in U.S. Treasury aid so far.

The firms site the rising costs of buying up bad mortgage-backed loans in an effort to support the U.S. housing market.

Thousands of Americans have simply given up on the U.S. housing market and are shopping for real estate abroad. Lower prices and easier terms, often offered directly by developers with no bank or government involvement, are two main reasons.