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These days the American dream of home ownership has turned into a nightmare for millions of families. They wake every day to the reality of a horrible decline in the value of the home that has meant so much to them.

Frankly, people buying a home to let should not be squeezing out families who can't afford a home to buy.

One of the problems that we are confronted with is, when we decide to buy or build a home, we don't get a clear picture of what closing costs will be of that home.

Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.

Owning a home is a keystone of wealth - both financial affluence and emotional security.

It is hard to be enthusiastic about the economy's prospects when house prices are falling: Households spend less, small business owners can't use homes as collateral for loans and local governments are forced to cut jobs and programs as property-tax revenue disappears.

I think homes are a palpable form of investment, and I understand them.

I have been mislabeled as a big advocate of low-income home ownership over rental.

The most critical factor subduing the demand for housing is that home ownership is no longer seen as the great, long-term buildup in equity value it once was.

Buying a home wouldn't make much sense if house prices were likely to decline further; no one wants to catch a falling knife.