you are going to have the payments go up but banks want their money back so rather than defaulting on this, or going bankrupt --. >> if they default on this can they take your house? >> if it is folded into the primary mortgage yes bought the house used as collateral. >> but if it is not? >> they still can. it is using the collateral. >> so you would be facing a lien on your home? >> yes but housing prices are going up. >> good, so we will end on that note. >> you can catch brenda on "bulls and bears," every saturday morning right here on saturday on fox news channel. >> speaking of underwater in a different way the world's first underwater oxygen bar has just opened up. stay tuned.