Thanks for your message. You’re approaching this housing mess from the right perspective. If you don’t have to sell anytime soon, it doesn’t really matter what your house is worth now. If you can ride out the slump before having to sell, you should still be in great shape. Despite the terrible housing market we are seeing now, I still think residential real estate is a solid investment. Just don’t expect housing prices to appreciate in double-digits every year — That rate of appreciation was an artificial one.