I saw a post entitled Home Prices Up 15%. Is there a Bubble? over at The Real Estate Bloggers. It seems that even the most optimistic fans of the market are beginning to realize that the market is cooling. While there is great debate of how massive the fallout will be, few are denying that there will be one in the very near future. What many people are not taking into consideration is the aggressive financing techniques that were used over the past few years. These will have a cascading negative effect as prices cool and houses stay on the market longer.