much. The problem is alt a loans. And subprime crisis was over few months ago. Now, this is a new ball game.

And what most people don't see is that even the prime loans are started to getting worse. With more people losing jobs. The prime borrowers will started to lose houses left and right. On paper things still looks good. But as we overshot to the upside, we will overshot to the downside as well. You can count on that.

If you have an adjustable interest loan, I really suggest you change to fixed int rate asap. For one the rate won't get too much lower. Second, when it started to go up, it will not stay under 7%, more likely 15 - 20%.