There is some risk. However, if the house only goes down 15%, you don’t save only 15%. You will have access to all that cash, having it earn money during the interim. Your equity is currently invested in your house. Pull it out and make 4% in a long term CD (very safe).
Plus, how long will the house sit at the bottom price? You could have 5 years making interest on your equity instead of letting it stagnate.
I hate to sound like a salesperson…
