Gerard speaks the truth, read and get smarter:
How much is your house worth? Less than this time last year, to be sure, but if pushed you'd come up with a 'guestimate', wouldn't you, give or take ten or twenty thousand? How much is your mortgage? No need for pushing, is there? One thing everyone is beginning to realise: debt is a fact, wealth is an opinion. Your mortgage is a number. The value of your house is, well, a mixture of hope, salesmanship and precedent.