Leigh.  It surely has.  Although I didn't see the mortgage meltdown because I don't often deal with subprime borrowers.  The only one I've sold personally in the past five years, was foreclosed in a year.  She should never have been given a loan.  I had about 15 agents at the time and none of them were doing subprime.  A lot of 100% loans but they're still good.

Kris.  I thought it worthy of noticing again.  Brian was quite right.

Mana.  That is a good question.  What does the very prescient Brian Brady see for a year ago.  Maybe he'll drop by and read this and comment.  Or, perhaps he'll post his "Predictions for 2008".

Robert.  Good for you.  As I said above.  I only had one buyer that had to have a subprime to buy.  I would have sent her away, but she was referred to me by my attorney and she had a big settlement coming.  Unfortunately, that didn't teach her how to make a mortgage settlement.  She got the money and still wouldn't pay and was foreclosed in a year.

Kathy.  Seeing was not too hard around here when prices got to the point when a family couldn't buy a home for under $500K.  That was it.  They put their foot down.  I could see the market dying but didn't have the insight into the mortgage mess that Brian does.

Gena.  Not a  mortgage Carnac.  I believe that a Mortgage Merlin is more in order.  Hey, that's an idea for a post.  Mmmmmmm.

Renee.  Yep.  He knows his business.  No question.

Cynthia.  Would it make any difference in what we do??   I know that the market changes caused me to completely change my brokerage model.  It's hard but we do have to watch the market.

Gena.  In reality, I don't believe that ghost written articles will play a large part in blogging.  Not because the articles wouldn't serve the purpose, but because most real estate practitioners wouldn't pay for the service.  Brian is different.  He's feeding the Interent synergy.  He knows exactly what he's doing.

Bill.  Be careful what you ask for.

Thanks Roberta.  I have been reviewing some of my earlier posts and it's been very interesting.  Our market has suffered from agents buying listings and keeping prices up.  I can't figure it.  An overpriced listing will just eat you alive.  They don't sell. 

Buyers here have just simply put their foot down.  They won't buy and live in the areas where they can qualify and they can't qualify for what their friends and co-workers purchased a mere 4-5 years ago.

Our market is just plain out of whack.