We might be approaching the light at the end of the housing crisis tunnel. A new report from SMR Research Corp., which specializes in mortgage and home equity loan research, claims that the housing price bubble has now deflated, as home prices are no longer greater than consumer incomes. The report predicts that the recovery will begin when consumers start realizing that prices are bottoming out. Right now, many people are afraid that things will only get worse. But don't expect it to be easy to participate in that recovery if you have a low credit score, the report says. It also mentions that the recovery will be slow, and we will most likely not see a return to the robust growth in home prices in the first half of the decade.