Since the new year just started, and the snow finally begins to fall, I start reflecting on 2011 and beginning a new year. It's natural for all of us to look back, and try to use what we learn to help us move forward. Of course, because of my profession, I tend to focus on the housing market.
All of us in the Real Estate business, and all of you who own a home or want to own one, have been through another year of uncertainty. Should I buy? Should I sell? How much will my house be worth this time next year? What's best for my family?
We've had our fair share of ups and downs in the last year. We've dealt with changing rules about appraisals, and ever-shifting bank lending standards. Even more changes are headed our way. New banking rules are now being