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According to the Kiplinger Letter, expect an increase in listings early next year. (therefore an increase in overall inventory) Some will be convinced that a somewhat improved economy will make sales more likely over the past year and a flood of foreclosures will be hitting the market. (a tidal wave held back from this year) This forecast will be mirrored in the Toledo area as the unemployment rate remains high and mortgage lenders locally, as well nationally, have been holding back on foreclosures trying to determine which homes qualify for which federal programs. Nevertheless overall housing supply will creep lower and on a national average price declines will flatten out.