Have you heard about H.R. 4646.  It will impose a 1% transaction tax on all monetary transactions- bank deposits, bank withdrawals, stock transactions, debit cards,etc.  Look it up on snopes.com Debt Free America Act.  This money would go to third world countries.
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50% of all refi's go in to foreclosure again.  Why are we throwing money down a rat hole?
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In January, a 3% tax will be levied on all house sales.  Be prepared.
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Some 68 million Americans feel homeowners should be allowed to strategically default on their mortgages without any consequences, a JZ Analytics survey finds.  A strategic default is when a homeowner, who has the ability to make a payment on a house that is not underwater, decides to walk away and let the house go into foreclosure

Read more: Zogby: 68 Million Say It’s OK to Default on Mortgage
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"FHA will not be participating in the REO to Rental program", reports Jacob Gaffney of HousingWire.

I guess the foreclosures will sit and deteriorate as usual.