http://www.mortgagenewsdaily.com/01232013_housing_recovery.aspThree economists told attendees at the International Builders Show that the housing market should continue to improve on an accelerating basis in 2013 . But each cautioned that there are many factors, especially on the federal government level, that couldenCommunityServer 2008 SP2 (Build: 31106.96)http://www.mortgagenewsdaily.com/01232013_housing_recovery.asp#292714Thu, 24 Jan 2013 05:28:41 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:292714Frank CeizykUmmm..really Monique? How about reckless price bidding wars (you know--don&#39;t bother with your offer unless it is $10k over the listing price) selective referral relationships with lenders who would &quot;get the sales price, or get the value, or get the deal done, or follow the value trends&#39;, never ending calls for more flexible lending guidelines (even now!) by a sales force that has no &quot;skin in the game&quot; and can earn a 3.5% to 7% commission when prices go up, or when they go down, can earn a commission on a distressed sale or one that has appreciated 80% in 7 years with absolutely no concern for where that price is on a historical price spectrum, or how it might affect the investment value (if there even is any such thing in housing anymore) of home ownership. How about this: If the HOUSING industry behaves, or better yet, grows a pair and comes up with a consumer protective focused system of housing investment and finance, then Washington wouldn&#39;t need to step in to regulate what should have been self-regulated. <div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=292714" width="1" height="1">http://www.mortgagenewsdaily.com/01232013_housing_recovery.asp#292673Wed, 23 Jan 2013 22:27:04 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:292673Monique BryherThe end of this title &quot;if Washington Behaves&quot; is intellectually dishonest and belies the cause of the mortgage meltdown. Reckless underwriting practices, insider trading, insider fraud, rigging the LIBOR, paying huge bonuses for C-Suiters who ran their companies into the ground and other bad-faith institutional practices were and still are the primary cause of the run-up and near-crash of housing prices. To paraphrase, &quot;if the mortgage industry behaves,&quot; then Washington wouldn&#39;t step in to regulate what should have been self-regulated.<div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=292673" width="1" height="1">