Ever since Congress finally moved to provide financial assistance to homeowners struggling to pay their monthly mortgages, I’ve heard nothing but whining, mostly from folks who aren’t having any troubles making their own housing payments.

Pres. Bush signed the housing stimulus billinto law yesterday. Let’s hope it provides some hope the millions of U.S. homeowners facing foreclosure.

According to Prashant Gopal, a writer for BusinessWeek, the next big real estate crisis will hit the country in April of next year. That’s when hundreds of thousands of adjustable-rate mortgages are scheduled to reset to higher interest rates, and, of course, higher monthly mortgage payments. Expect this to bring on a new round of foreclosure activity.