BRAINSTORMING AT WORK HERE! With rumors looming like another tax credit being considered by the administration, I THINK THERE ARE BETTER IDEAS TO CONSIDER FIRST.  We all know the Housing Market drives the economy, so with that in mind, here’s a thought.  Over the last 3-4 years as a result of the housing market crash, there have been millions of short sale and foreclosure casualties.  Many of these were homeowners that lost their homes by either jobloss or other circumstances beyond their control.  Otherwise, they had great credit and were responsible citizens.  (IDEA!) Why isn’t their a Lender Protection or Insurance Program either Privately owned or Government Sponsored (like FDIC), that would allow these ready, willing, and able buyers to purchase a home sooner.  Such a program (like Private Mortgage Insurance) could be paid by the buyer or seller of the property, so there shouldn’t be any cost to taxpayers.  Of course, there would need to be qualifications so those that were true victims are able to get back on their feet and back into the housing market.  This would allow a huge source of buyers to get back into the market (increasing demand), more homes would sell (lowering supply).  Seems like one simple Program like this would bring a huge # of buyers into the market which would have an enormous positive impact on all of us.  PLEASE GIVE US YOUR THOUGHTS!