it was awful. you know, you thinking that you are going to have some kind of profit on your property if you ever wanted to sell it. but, not in five years. it just kept dropping and dropping and dropping. >> massachusetts realtor danny griffin says upside down homeowners don't want to sell and that's leaving sparse inventory, slowing economic recovery. >> if you clear out all the foreclosed properties or a massive portion of them but there is no increase in the market to create new equity positions where fewer houses are upside down, what happens? there is this massive void. who can sell? >> a federal program called harp, the home affordable refinance program offers underwater homeowners who are current on their mortgages whose loans are owned by fannie mae or freddie mac a little bit of help refinancing. it's also been extended. the good news for two more years and goes throughout 2015, shep? >> shepard: molly, exppg