On Monday, Obama did not make so much as a passing reference to housing or lost homes in his second inaugural, signaling that the worst of the crisis is behind us.

But few consumer advocates give the president high marks for devising effective solutions, nor should they. To the extent that the market is recovering, it is due largely to the broader improvement in the economy rather than specific programs put forth by Obama and his appointees.

Read more here: http://www.kansascity.com/2013/01/23/4026593/surviving-the-housing-collapse.html#storylink=cpy