Home Prices form 2000 - 2012

In most cities, prices are on the rise! It will not be long before the Fed increases their rate and mortgage interest rates will soon follow. As interest rates increase and prices increase, buyers will be able to afford less. Why would financial reforms and regulations make it easier for someone to buy? It will only become more complex and difficult for buyers to buy a home in the new year. 
Why do you think so many home buyers are waiting?
Post and share your answers to the above questions.