as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
what steps should be taken, if any, when you find out your home's market value is underwater, i.e. worth less than the mortgage owed?
user
step back and take a deep breath. pay your mortgage. repeat 1 and 2 monthly until equity > mortgage.
assistant