The Sacramento / Stockton area real estate market is showing signs of a return to normal as the number of available homes slowly climbs. In this episode I discuss both sides to the impending housing crash argument. In lending news, Adjustable Rate Mortgages (ARMs) are making a comeback; I discuss why Adjustable Rate Mortgages are bad for borrowers and plead with you not to make the same mistake so many borrowers made in the early 2000’s.