With the extra fees, and owing significantly more than your own home is price, you may plan on not transferring anytime soon. This puts you in a damaging fairness situation. Many people who purchased houses even last year are discovering out that this is not a good state of affairs to be in. It is attainable, in a day of unstable housing markets, that your home is also devalued – making it even harder, if not impossible to promote – for years more. It might also imply going into higher debt.