What do you think will kick start the Real Estate Market??

I was glad to see FHA raise the loan limits but I feel they need to go a step futher and reduce the down payment from 3% to 1.5%.  This will enable first time home buyers in our area to afford the down payment and thus  create more home ownership.   These loans however, must be based on the purchaser's ablity to repay them, based on good credit scores and be a fixed rate loan.  This will reduced the desire of many to purchase more house than they can afford and thus reduce the amount of future foreclosures.

What do you think????