Your housing. What happened? Six words.

Malaise is a word we don’t use lightly. But we threw it out there a couple weeks ago after hearing from normally upbeat real estate sources in our Public Insight Network who are having a hard time staying positive.

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With the worries of real estate professionals and the concerns that a next wave of mortgage problems is approaching, we wanted to step back and let you tell us what’s happened to your housing or mortgage in the recession.

But you have to be brief. Six words.

We’ve challenged readers before to tell us stuff in six words. You’ve produced some telling, creative responses. Check out what Minnesotans told us when we asked: Your career. What happened? Six words.

Now help us all understand the impact on housing and mortgages.

For those who’ve been able to keep their heads above water with their homes and jobs, this is a great time — mortgage rates are their lowest in decades, making it really attractive to buy or refinance.

Of course, if you’ve lost your job, the low rates won’t help. You likely won’t be able to refinance and you’ll have a hard time hanging on to what you’ve got. Minnesota foreclosure rates outpaced the nation in May.

So tell us what you’ve seen or experienced when it comes to housing and mortgages. But make it short!

If you’re renting your home, no doubt you’ve been affected in some way, too. Please tell us.

Post something below or use our handy form.

Like we did with Your Career. What happened? Six words., we’ll share your housing experiences and stories.

NOTE: Our efforts were inspired by SMITH Magazine’s ongoing Six-Word Memoir project.