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The state of the economy in this country has caused most consumers to adopt more cautious financial plans and restructure their budgets to help them weather the economic storm. The housing market has continued to worsen at a time when many had hoped it would turn around. The drop in home values has hit many markets in the country extremely hard. A lot of homeowners in those markets have less equity in their homes or have loans that are larger than the price of their properties now. Foreclosure rates have continued to increase, which has exacerbated the surplus of unsold homes on the market.