> they can appraise all they want for what they did. but if
> something happened to the market and i had to sell tomorrow,
> i'd probably have to take the hair cut and unload it for
> whatever a buyer wants to offer on it.
>
> if that buyer says, here, let me give you 20k less than you
> paid for it, how is there any equity in that house?
Ask Joanna: she says banks don't have skin in the game :-)
/jordan