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One of the Valley’s top housing analysts lowered his projection for the area’s new-home market for this year on Tuesday, saying that such stubborn problems as an oversupply of houses and turmoil in the mortgage business will delay the recovery. RL Brown, publisher of the Phoenix Housing Market Letter, said he expected Phoenix-area builders to pull 34,000 building permits this year, down from his forecast of 41,000 issued in January. There were 42,460 permits issued in the Valley last year as the housing frenzy of 2004 and 2005 diminished and the market began to stagnate. More…