Economists have been wondering how much danger there will be in real estate markets where housing prices have increased dramatically in short periods of time. Bradenton, Florida has had the highest increase in prices in the country and Sarasota, Florida has had the second greatest increase. Both areas’ values have increased by roughly 50 percent. Economists wonder if the increases will cause a bust or a soft landing. Clark believes the chances of a full bust are limited, but there are chances of scattered declining markets. If you plan on staying in your home, you have nothing to worry about. At the same time, banks have become more careless in lending money to people who cannot afford their new homes. So new regulations are forcing banks to looks at factors other than credit scores and reports.