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About 25% of the top 400 metro areas saw lower home values in the second quarter, double last year's number. Is yours one of them? See HSH.com's Home Value Tracker.

About 25% of the top 400 metro areas saw lower home values in the second quarter, double last year's number. Is yours one of them? See HSH.com's Home Value Tracker.

Gina Pogol

Gina Pogol

Gina Pogol has decades of experience in the mortgage industry as a mortgage loan officer and a mortgage underwriter. An acknowledged expert in mortgage and personal finance since 2008, Gina enjoys breaking down complicated subjects and helping consumers feel comfortable making financial decisions. You can find also her articles on MSN Money, Fox Business, Forbes.com, Motley Fool and other sites.