<p>When looking at the value that you use for your home, it is checked against a govt indicator. See <a href=“http://finaid.org/calculators/federalhousing.phtml[/url]”>http://finaid.org/calculators/federalhousing.phtml</a>. IF you are lower than what they come up with through this method, you will either get corrected or contacted. If you are above that number, well, your figure stands. So if you are in an area where housing is not a mover and just has not appreciated much, you need to have your number covered by some facts, such as a market value assesment, or other official info that can show that you are not in the same ball game that federal indicators show. My mother in law would be so in the gravy if she could sell that wreck of a house where she lives in a town where real estate is cheap and appreciation very slow for the number those indicators give. We, on the other hand, live in an area where those numbers are generous considering the appreciation in the last several years here. Anyone who bought a decent home in this area can make out. The problem is finding anything to move into around here that makes selling worth while.</p>