. >> david and heather little john built their oregon home in 2005. >> we're under water because our timing is outstanding. >> the value of their home was cut in half by the housing crisis. as their family grows, so too does their knees for more space. they're now adding extra principle to their monthly mortgage payment. >> we're doing what we can. >> think thought about walking away. >> that's not an option for us. >> the stocks of the nation's big home builders sore, up over 200% from their bottom in the spring of 2009. even with housing starts below normal levels, wall street is booming for builders. >> i think i'm in nirvana. >> buying a home is the best investment any individual can make but about 10 million underwater borrowers, and millions more don't have that option. and every day, david little john a financial planner watches wall street beaming all the way from oregon. >> i have a bit of animosity toward the way the situation was handled at times. i think that the taxpayer bailed out a lot of these banks, i'm a taxpayer. in many respects i honored my contract the entire ti