Falling home values have brought 20% of mortgage holders "underwater" as of Jan 1st 2009. "Underwater" means you owe more on your mortgage than the home is worth on today's market. And with home prices still in a decline, this number will probably grow even more. And the jobless rate is still climbing so that will add to the problems. A really sad state of affairs for sure. I can find no silver lining in this circumstance. I am still confident home prices will recover, I just cannot predict when it will happen. Hang in there and sooner of later we will get out of this mess.