<p>Thanks, cptofthehouse, that link was very helpful…but it brings up a few more questions. 1) It says for our primary home, the adjusted minimum derived value (adding 10%) is $261,000. Our mortgage and home equity is approx $260,000…so, would it be bad to put the value of our home at $1,000? 2) We have a vacation home - we purchased for $125,000 in 1995, tore it down, built a new home - currently have loan of $350,000. Since it is in a desirable lake community, the home could easily sell for over $1 million. The adjusted minimum derived value on the link says $600,000. Would it be OK to put $600,000? We just got lucky and bought at a time before the prices went up - we are by no means millionaires. Thanks for your help!!</p>