Home prices in Dallas, Portland, Ore., Charlotte, N.C., Tampa, Fla. and Denver have fallen for four straight months.Also, the number of homeowners who owe more than their house is worth is  expected to remain high. They are more likely to default if they run  into trouble, Zandi said. Homeowners who have equity can sell their  homes if they face a job loss, divorce, or illness that makes it  impossible for them to pay their mortgage.

Also, the number of homeowners who owe more than their house is worth is  expected to remain high. They are more likely to default if they run  into trouble, Zandi said. Homeowners who have equity can sell their  homes if they face a job loss, divorce, or illness that makes it  impossible for them to pay their mortgage.

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