Have the values of homes in your area stabilized? Are they still declining? Are they rebounding a little? It is all going to depend on your location. We cannot generalize on what is happening in your specific market, but opinions on the future of property values are out there. Experts, economists, and real estate analysts have different ideas on fluctuating property values, and their opinions will likely change as time goes on.
The link below gives some of the thoughts on the future of real estate.
http://www.stltoday.com/business/article_c0de048a-56ae-519a-b8ef-54ef650fbdaa.html
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