At Monday morning roundtable in Tampa, Romney plays the role of housing counselor, discussing the Florida foreclosure crisis with unemployed professionals.

Bay Stater pinpoints Congress/Fannie/Freddie as the root of the housing crisis.

Romney: "Prices just kept going up and up. You look at that and say, this is a bubble. It’s going to be a disaster."

Cites lack of responsibility among lenders: "Too many institutions aren't willing to write it off and say, we made a mistake, we over-leveraged, we loaned too much."