Bloomberg News reports Housing and Urban Development (HUD) Secretary Shaun Donovan says home prices may start to increase as early as the third quarter, as the rate of foreclosures decline.  Speaking on CNN, Donovan says, “The real question is when will we start to see sustainable increases. Some think it will be as early as the end of this summer or this fall.”  He says defaults are declining, and home sales have gone up in six of the last nine months.  Lenders need to encourage home ownership so people can realize the value of their investment over time, not overnight.