I heard Chris's comment about prudent people getting their opportunity when the housing market has recovered. I'd like more description of the "opportunity." I'm a prudent person with savings, <6% fixed mortgage, etc. I won't be able to sell my house and trade up without increasing my loan amount or duration - my house value is going down/up with all the rest of them. I'm already in a good mortgage. What opportunities await me that aren't available to the imprudent?