foreclosed homes, short saleUntil the inventory of foreclosed homes begins to diminish, the housing market is not going to improve. The car makers are going back to zero percent interest, and wouldn't it be great if the government could figure out a way to arrange zero percent financing for people to buy foreclosed homes. In the end, it would probably get a lot of homes off the market, get people in nice homes, building a nest egg for the future, and help getting the economy back on its feet. Buying a short sale or foreclosed homes is the single-most important thing that needs to happen in this country to get the glut of REO properties off the market so that normal supply and demand forces get back into balance. I haven't run the numbers, but it would be interesting to see how many more people could get into their own homes by qualifying for zero interest loans with small down payments. Such a program would quickly end this housing crisis, and get the economy on its feet, making all of us winners.