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housing slump housing foreclosure credit crunch recession fear tax homeowner inflation mortgage refinance home price sales 2007 foreclosure aids housing market energy crisis sale holiday shopping international housing growth economy federal rate subprime mortgage woe price drop energy saving 2008 indianapolis. new home sales help homebuilder for sale by owner job cut u.s. economy at stake us buyer beware home buying arm housing downturn tax break payoff mortgage early drop homeowner skills downturn price market subprime mortgage housing price home sale data mortgage company cities housing price drop renters bailout mortgage help recession home price existing home home selling home builders housing scam recovery opinions ecomony tax tips 2007 fort worth new home sales plunge august 2007 credit problem