"We would've been stuck in Connecticut cause the market dropped about $100,000 at our house," said Nancy.
Finding more solutions for at-risk homeowners is the focus in Raleigh as the nation's industry leaders meet this week for the American Mortgage Conference.
It's an audience of bankers and lenders from across the country brainstorming about ways to keep homeowners in their homes
"The whole purpose of this exercise is to have ways to make the mortgage market healthy to serve them," explained Joe Smith, Chairman, NC Association of Bankers.
Like most of the country, North Carolina's mortgage market is anything but healthy. Almost 12 percent of residential mortgages are underwater, and another 7 percent are risk. The problem's made worse by unemployment which is pushing up foreclosures. And it's a crisis experts say is far from over.
"I think it's three or four more years minimum. We still have 4 or 5 million foreclosures to go," offered Martin Eackes with the Center for Responsible Lending.
It's a search for solutions in a crisis with no silver bullet.
"There a real solutions, but we're not there yet. I can't really discuss it, but we haven't gotten one yet that I can say is gonna work. But we're looking at solutions where loans can be reconstructed, extended, to reduce the payment," said Smith.
Solutions that Mark and Nancy Quinn hope can help revive the market so their next move is a lot easier than their last.