The housing crisis is one of the most critical issues facing Florida. Dwight Bullard believes more needs to be done to help Floridians in danger of losing their homes. Currently, one in five Florida families are one or more months behind in their mortgage payments, and the state has the second-highest foreclosure rate in the nation. Home values have dropped, leaving those who are able to keep their homes often owing more than their home is worth. Dwight knows that homeownership provides stability to neighborhoods and municipalities. It is Dwight's intent to restore the "American Dream".