Some cities and towns are now demanding a moratorium on affordable housing units in their communities, concerns have been raised of over building and now with the housing slow down and economic conditions of the upcoming year 2008 careful consideration should be made when allowing new unit building. Existing housing must be made affordable simply by allowing homeowners relief from property taxes, and the new idea in Medford of the consumption billing of water use, as well as non predatory mortgage from the private sector and home buying options from such agencies as FHA and HUD.