The most recent housing sales figures are among the worst we’ve ever seen. Is this all because the $8000 tax credits are gone or are there other key reasons why potential buyers are staying away? Have we hit the bottom of the housing market yet? How worried are prospective homeowners about the overall economy? How much should low mortgage rates be a factor in deciding to buy? We ask Dr. Lawrence Yun, chief economist at the National Association of Realtors.