Borrowing for second homes accounts for part of the large increase in debt over the last five years. This is something that is not being discussed or factored into the current housing situation. An enormous amount of second homes are going into foreclosure and even more are on the market for sale. This overhang in the housing market is likely to continue for a long time. Is anyone in the government discussing supply and demand as they look for a quick fix for the housing crisis?

The drop in the stock market is hurting the newly retired and really weighing on Baby Boomers.

"Is anyone in the government discussing supply and demand as they look for a quick fix for the housing crisis?"

I'm sure they are; they're professionals!