discouraging, to luisa fonseca's sister. "she has to scale back. she's looking at cheaper homes that she can afford." putting home-buying on hold for others. "waiting and getting money together, hoping it (price) goes down." san francisco, an expensive market already, got even pricier. when the median--as many above as below, home price last year of 552-thousand, 600- dollars...rose this year to 706-thousand, 300. an increase of 153-thousand, 700-dollars. a big bounce, unlikely to repeat, next year. "it's gonna be less than 16%, next year. so you're better off saving, maybe paying a slightly higher rate but be in a stronger position." and there are options. "there are program with 10% down, there are programs with 3% down, but your credit drives that 10% product." "if you want to own your own home, you're going to have to have more liquidity because your wages aren't going to keep up to the market." in a related survey, country financial reports 41% of americans think owning a home is attainable for a typical middle-class family. that's down five p