Since the full blown onset of the nationwide foreclosure crisis that started in 2006, mortgage defaults and property foreclosures have steadily increased to put downward pressure on most housing prices nationwide. Housing prices are down nearly 28% nationwide since 2006 with some areas such as Nevada, Arizona, California and Florida experiencing declines in the range of 40-50%. Now nearly every community is faced with the reality of homes in their neighborhood being auctioned off or Banks puttin …