The financial deadlock that characterizes the U.S housing market is of great concern to everyone, from homebuyers, to lenders, to governments. And rightly so. For, as it is becoming increasingly more apparent, the housing industry is a key economic fulcrum to the recovery of the economy in general. A strong housing market is vital to economic recovery. But, there are forces at work that affect how real estate is bought and sold, regardless of where we happen to be on the economic growth cycle.