By the way, Trek, I'm in the same situation with my house. I bought last year at 35% lower than peak. It felt like a great deal. Now, zillow says it has dropped almost another 15%. Who knows how accurate zillow is, but it still messes with you a little psychologically. I just keep reminding myself that I have an excellent house and bought when it was right for me. Also, I'm sure the value will eventually return.. it will, right?

I got those scam letters. It reads like such a great service. Luckily, I also work for the county and received a scam warning from them. It's so unsettling. I hate always having to worry about being taken for a ride.