Thanks. I am still scared, though. Wake up several times a night, just like I did when I bought my first house for $102K. Sold it for $150K after nine years (divorce). My house is in a great neighborhood but people are still setting their prices too high. Why are they asking for twice what they paid in 2001? I can only think, home equity loan(s). This is gonna be a very hard year for me, but I figure with the taxes/interest, I will only be paying $100 more than I pay in rent.