sale or the bank will put my home up for sale and foreclosed homes go for far less than nonforeclosed homes. mine will sell for let's call it 10% less than yours. the reo's or 0 otherwise known as bank-owned homes are selling less for the nonbank-owned homes. they are driving down prices for everybody. jenna: let's just say that you have the home that is underwater. how do you get your home back on surface, or back right side up? >> reporter: you know, the best way is for home prices nationally to start rising again. i mean that is really the hope that we've all got as far as all this terrible date a all the money owed to fannie and freddie and the figures we talk about so much, jenna. if we see that national housing market go up it's going to lift all boats, otherwise you kind of stick it out you pay down a lot on your mortgage, at some point you'll have positive equity. basically one in every four