Our goverment is kinda like "Nero fiddling while Rome burns". We still do not have any good programs coming out of Washington to help the housing market. A lot of stops and start, talks and discussions, hand wringing and crying, but as yet nothing to provide much help. Bernanke has said it would be a good idea for the fed to by up the bulk of the mortgages on the 20% of homeowners with troubled loans and refinance them using FHA loans to stave off foreclosure. He also urged for "new steps to aid housing", whatever that means. Still, just more talk at this time. We will see if anything comes from this talk in time to save some homeowners and stabilize home prices.