DWCAP has some good suggestions (as do the others).
In your third paragraph, you say:
Bear Sterns, Freddie Mack, Fannie May Indy Mac, Country Wide, all speculated that housing prices will increase infinitely.
Not trying to play teacher here, but you were asking for advice, so the spellings here need to be corrected.
“Freddie Mac”, “Fannie Mae”, and “Countrywide” are the correct spellings for these names.
Good for you for writing your representatives, everyone on the housing blogs should be doing this (and calling and faxing), IMHO. Don’t be offended when you get the standard “thanks for writing” letter, though. That’s just what they do (ignore their constituents).
