I am constantly being asked, "When will the market improve?" The truth is that no one knows for sure, but I feel comfortable in suggesting that a true recovery will not happen until the mortgage crisis truly subsides. Excessive mortgage delinquenices give way to excessive foreclosures. And according to the AP during the fourth quarter of last year almost 7% of mortgage borrowers were 2-months or more behind on their payments. That is very troublesome.
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