The home price would have to go up 75% to get that back just to the value of the loan.

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Under the estate law likely to go back into effect in January, appreciated property gets stepped up to fair market value when the owner dies.

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If the value of the asset were to go back up, harmony would be restored.

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Some go so far as to say that if a bond is insured and bondholders receive back the par value, no default has taken place, just an unscheduled call.

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