In today's real estate market there are literally millions of homeowners who are "underwater" with their current home loans (i.e. they owe more to the lender than the current market value of the home).

Brent White, a Professor at the James E. Rogers College of Law at the University of Arizona, recently published a discussion paper entitled, "Underwater and Not Walking Away:  Shame, Fear and the Social Management of the Housing Crisis".

Professor White has received tremendous attention in the media over the past several months because of the nature of this paper, and the topics discussed have helped enlighten many homeowners who are in a difficult financial situation because they are so far underwater.

Click the photo to the left to download your FREE copy of this discussion paper.

If you or somebody you know is facing financial hardship because their home value is far below what they owe, there ARE alternatives.    Feel free to contact me if I can help provide the very latest information on your home's market value.