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1. Get the inside track on hot real estate marketing
  These resetting loans and resulting payment shocks for many borrowers will cause a massive explosion of foreclosures compared to the very tame foreclosure numbers we have seen during the run-up of prices in the recent past. In the future, we'll look back at the past economic boom years and refer to them as the real estate renaissance. But unfortunately, there was no enlightenment in this particular renaissance.
2. Slight change in overnight real estate rates
  Modest declines in home prices in 2007 will make it even more difficult to refinance or sell homes with negatively amortized loans. This, along with further resets in adjustable-rate mortgages, will make the foreclosure wave of 2007 look miniscule compared to 2008. Steven Krystofiak is a mortgage broker based in California. He is president of the Mortgage Broker Association for Responsible Lending, an advocacy group.

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