What do you see in your housing market? Builder problems? "Last year, when Terry & Terry Inc. was developing Cross Creek in Oakland, the company's executives projected they would have three or four builders each starting a handful of homes in the subdivision by now. But only three homes by one builder have risen in the 129-lot development, which sits just off Tenn. 194 in Fayette County."

"Terry Pagliari of Terry & Terry said the trio of homes sitting alone on an otherwise empty parcel is a disappointing sight. Pagliari said the company continues talking with other builders about lots, but the result is always the same."

"'Each one said, 'Well, I like the subdivision, but I've got some spec homes I need to get rid of so I can get some more loans; until I get rid of my specs, I can't get any more loans,' Pagliari said. 'That's kind of what's happening. It's not a lot of fun right now.'"

Or foreclosures? "Bob Slade, deputy public trustee for Garfield County, said for 2007, the Carbondale area, denoted by the 81623 ZIP code in Garfield County only, had 10 foreclosure proceedings, representing 12 percent of the foreclosures in the county."

"'At this point, I'm showing four actual foreclosures in Carbondale this year,' Slade said. An interesting sidelight, he said, is that two of these involve expensive dwellings - one a $1 million house and another that was priced at nearly $800,000."

"Bob Horton, executive director of the Springfield-based nonprofit Urban Neighborhoods Alliance, said the region, like many parts of the country, is facing its highest number of home foreclosures in 10 years."

"'(Foreclosures) are not discriminatory,' Horton said. 'It's not just the north side or the south side, east or west. It's citywide and it's all over the county.'"

"On Saturday and Sunday, Real Estate Disposition Corp. is going to try to auction off more than 450 homes across metropolitan Phoenix for the lenders that took them back."

"These foreclosure auctions, which started in the Valley in December, are becoming regular events on the weekend as foreclosure rates climb. A few homes on the auction menu for this weekend have starting bids as low as $1,000."

"One of the properties featured in this weekend's sale is a condo in downtown Phoenix's Orpheum Lofts valued at $299,900, but the starting bid is only $79,000."

A letter to the editor? "We are being forced to foreclose on our condo, but unlike many other news stories you've done, we've done everything right...The increasing debt our mortgage is putting us into is making us struggle to survive. Our mortgage lender is crooked and dishonest."

"Our broker assured us we would be able to refinance before any significant change appeared in the payment amount. Being new and naive to the intricacies of the housing market, we believed him. We certainly did not purchase outside of our means; we just believed, as everyone else did, that we would be able to refinance when the time came."

"Since the market has plummeted, the value of our home has significantly decreased, and our interest rate has increased at an astronomical rate. We no longer can afford our expenses."

"We are going to lose our condo, and it's not fair. These banks and mortgage brokers took advantage of a booming market and idealistic buyers. Someone needs to be our voice to tell these banks that what they're doing is wrong. - Delray Beach."