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worth. it means they bought at a time when the market is different. what should those people do refinancing right now? the first thing they need to do is get an appraisal. they can do that a number of ways. they can go to a bank and work on a refinance loan, the process of going through that will include a bank appraisal. that may be a place to start. they can hire their appraise or. you can t refinance unless you re going tow bring in the cash to balance out so that the loan to value is not more than 100%. that is generally off the table. the owner is looking at a loan loan modification which is very tough to get. or a short sale. this is the very last year you can do it and not pay tax on that income tax as an ordinary loss. jenna: is it getting better out there?