But no harm comes to me if my house value drops considerably if I'm not selling it. I keep on paying the same mortgage payment as before and I keep on living in

But no harm comes to me if my house value drops considerably if I'm not selling it. I keep on paying the same mortgage payment as before and I keep on living in my house. If the mortgage payment was worth it before, then it is worth it after. The risk here is a home's value dropping a lot, putting somebody underwater, and then life circumstances forcing them to sell. That's bad. But for the rest of us that happily make our mortgage payments it doesn't mean a thing if the spam emails from Zillow show a new number.