fred glik is the president and is not so sure, but billie is more optimistic.sure seems like housing has turned the corner. >> i think the bad stuff is behind us and the numbers changed and i don't like to follow the numbers because you can't trust them too much in my opinion. housing prices and the volume has done up because of the robo signings behind us and now you have private equity coming up and buys thousands of houses at once. the houses bought in 2010 and 2011 have now been renovated and are coming out to the market. one of the things nobody gets about the housing market is mostly they are short sales, they're not renovated or in good condition, and the stuff that moved in '10 and '11 are renovated and are getting good numbers and the first-time home buyer will be the one to pull us hot of this market. >> the issue of supply keeps coming up because of foreclosures and supply in the market. is that the case or are we slowly but surely getting better. >> first of all, i'm still working on the six wet bars. >> lay off the vodka so we can get through this

. >> fred glik at u.s. s mortgages agrees the government should do more, take the gloves off, fight this housing mex. david liken of mortgage banking solutions says less is more. fred, the stories suggest "new york times" in the that they were late to the party. they wanted to do less in the beginning. they raelgzed it wasn't helping. so they added and now it's starting to help. is it too little too late? what more do you want to see the government do here? >> well, for starters, bill, t.a.r.p. 2, they should be talking to the fhfa, fannie mae and freddie mac and say will you please allow the lenders to do the unlimited loan to values on the h.a.r.p. loans so we can get another million people refinanced so municipal can go back into the economy. that's a big start. second of all, how about congress telling all these lenders who were doing short sales to get it together. do it in 30 days as opposed to dragging people out for six months. and, also, on the foreclosures, how about a government program, everybody