I heard about another mass wase of ARM resets that should be coming around real soon, it is where the adjustable rate mortgages mature, and a lot of the people that had 5 year arms will be faced with a massive hike in mortgage costs. I guess industry experts say that a hug wave of people will be facing foreclosures once again. Well at least those that didnt get on the refi kick to get out of those ARM's. Kinda makes you think that maybe property values will go way down after that according to the property appraiser. Good read, Josh.