Mortgage interest rates are rising and single family homes are more expensive than ever. The American dream is becoming more like a fantasy to most average hard working Americans already struggling to pay the rent.

Additionally, what is going to happen to countless families that recently purchased their first home under those new adjustable rate mortgage loans that take effect after a very short fixed rate period? These people are going to have serious payment shock when they realize the effect that two percentage points has on a long term, several hundred thousand dollar mortgage. Foreclosure numbers are going to skyrocket in this country. A severely damaged credit score rating will drive these people back to the rental market or into some type of