I own my home. Home values have actually shot through the roof in my area over the last several years. We bought our house when real-estate was really low, though. I am sort of curious to know how many people in the area bought with mortages from sub-prime lenders. I'm thinking that not very many, since the neighborhood has been around for a while and many of the people here are old-timers. The only people I suspect may have had a sub-prime loan were those dirtballs with the poor abused dog. It was pretty obvious they didn't belong in the area.