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Foreclosures, Ritholtz says, are now rising after banks had put many of them on hold to sort out the robo-signing debacle, and he’s “expecting that to continue to gather momentum.”

“I’m comfortable saying housing has stabilized, but I’m not buying the ‘we’re in a full-blown recovery’ meme,” he says.

By spring, we should know which side is right on housing — that is, whether a legitimate turn is upon the market or more weakness lies ahead, he says.

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