MCNIGHT you are a joke. Of course I know how much money goes toward the principal in the early payments. So ,try and follow, in order to get a lot of equity, you would have to pay a long time. Which is what I said. Through no fault of your own, the neighborhood gets a huge amount of foreclosures. Your property value plummets. All you did was make payments. I suppose you would assign this person 90 points or so for acting so recklessly.