http://www.mortgagenewsdaily.com/10112006_October_Housing.aspFreddie Mac's Economic and Housing Market Outlook for October is headlined " Finding Solid Ground. " It is another in a series of projections that the housing market is cooling not crashing and that the "cooling" market will have little impact on theenCommunityServer 2008 SP2 (Build: 31106.96)http://www.mortgagenewsdaily.com/10112006_October_Housing.asp#7941Thu, 12 Oct 2006 11:00:00 GMT2bb7a989-b681-446d-a7f2-bd5f0562f228:7941BankerBobHuh? How will homes appreciate 5.7% yet in 2006 and 6.2% in 2007? Supply exceeds demand! Home starts exceeded sales numbers and foreclosures are near record levels - - inventories of unsold homes have not yet &quot;bulged&quot;. Prices MUST fall! ARMs that adjust in the next 18 months total $1.5 Trillion. Who really believes those rates will adjust down? Sure, the consumer is still spending (negative savings rates), but that can&#39;t go on forever. There is still much pain to be felt! Hang on!<div style="clear:both;"></div><img src="http://www.mortgagenewsdaily.com/aggbug.aspx?PostID=7941" width="1" height="1">