As the markets and lenders are worried about the coming wave of defaults and refi troubles in the commercial markets, it appears with falling prices and historically low lending rates, the residential markets actually heating up, while not a bad thing, I would really like to see the prices stop falling.

At this point you can not buy the dirt, lumber and nails for what you can buy a finished property for. People the sky is not falling ! Let's try confidence, we can fix this.