The Federal Reserve thinks it can fix the mortgage crisis by throwing money at it.It should think again. The central bank has raised the amount of liquidity it will inject into the banking system this month through a new auction facility by $60 billion. It already pumped $40 billion into the system through the facility in December. Wall Street likes the cheap money, and it should, because it means banks will do better by making more profitable loans then they would have otherwise. But the Fed's actions won't change the dynamics of the mortgage market. It will still be difficult for consumers to borrow money, and that means housing prices will continue to fall. To understand why, you have to understand the underlying reasons for the crisis.