Unless you’ve been living in a cave for the last few years, youknow the housing market began to shake in late 2007 and completelycollapsed shortly thereafter. One day, you hear news the market isbeginning to recover, but the next day you hear other newsindicating it is collapsing further. Some predict better daysahead, while others predict the sky will fall as the world as weknow it comes to an inglorious end. So which is it? And if you area potential home buyer, what does it mean for you?One factor that may be holding the market down is the reluctanceof many potential buyers to get into a falling market too soon.Even people who can well afford a home and have little fear oflosing their jobs are waiting. After all, who wants to pay $400,000for a home that may only be worth $350,000 a year