President Obama is worried that the nascent housing recovery is leaving too many people, including young people, behind. His administration is moving to increase lending to homebuyers will risky credit. But the question is, should those homebuyers be part of the housing recovery. Also, rumors of a Facebook phone have early adopters interested. Facebook had struggled with mobile in the past. And finally, tax season is upon us, so we talk with Stephen Dubner about the Freakonomics of taxes.