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Message: From GoLocalProv by Dan Forbes, GoLocalProv MINDSETTER™: The recent numbers, according to Realtor.com continue to encourage. At the end of last year, the median list price was over 8 percent higher than December 2012, while inventory was down considerably. Many of the major markets saw considerable price appreciation throughout the year. That makes 2014 a pivotal year in terms of keeping the housing engine rolling. The government is slowly getting out of the guaranteed mortgage business, meaning banks will have to step in and provide funds, especially for first time homebuyers. This may mean a dramatic increase in lending through state housing-finance agencies. http://www.golocalprov.comhttp://beta.golocalprov.com/friday-financial-five-january-24th-2014