It is the shvartza Administrations opinion that home prices should be far lower than they are now... This is all well and fine for people like myself who bought their homes many moons ago when prices were far lower than they have been in the past few years...People who bought homes in the so called housing bubble really are in a world of trouble with the policy coming out of Washington today... Had the government allowed the foreclosure process to take place from the start the market would have cleaned itself up by now... The system in place gives little or no incentive to people who work hard pay their bills and live within their means... Sadly they are the ones that in the end are going to suffer more because they are the ones that have far more to loose in today's crazy financial picture.