I would put this dept in the lap of bankers looking to drive their profit portfolios up and up and home owners loving them ever minute for it.It all stems from what the avg joe strives to go to work for everyday and thats his home ,price of homes are equited by avg value in that market place .Before selling a home youll need an appraisal done ,it will be a requirment of the bank .Three values are pulled from info obtained from the appraisal district ,this comes from tax records at the city.The data is comprised and is put in a package with loan papers to sign at the mortgage company ,all in all an arm of the banking system . For new homeowners it sounds great that their homes value is going up ,investment from when they bought said home to day of sale = profits.In reality its driven to fail and then it starts all over again .The bankers love it ,realtors love it and home owners love it but they dont see the cycle in frt of them.Its a false system of security ,no one wins if they buy a house at the end of this cycle ,truly a baseless set of rules for an endless debt to new homeowners who thought they were buying a home as investment which turns into an anchor of debt.Their is a right time and place to buy a home and to not understand whats involved could be a financial nightmare.The term Housing Market Collapse should be retermed ,Housing Market Gridloch Due to Greedy Bankers.