The Phoenix Real Estate Guy notes: The market in many areas of the country is cooling. Phoenix has seen listings grow from 4,000 to 42,000 in just a few months. "Creative financing" such as 100% loans and interest-only loans, as well as cash-out refi's have left many people with more mortgage than they can afford. All of these factors tend to lead to an increase in foreclosures. And with that, an increase in web sites that specialize in foreclosure and pre-foreclosure listings.