A common sight these days where auctions, bank owned homes, foreclosures, and unfinished housing developments dot the housing landscape like this home Wednesday, July 30, 2008, in Phoenix. Mortgage finance company Fannie Mae swung to a second-quarter loss, Friday, Aug. 8, 2008, that was more than triple what Wall Street expected as conditions in the housing market continued to deteriorate. (AP Photo/Ross D. Franklin)