Question about the mortgage messI am certainly not an expert on the mortgage industry so all of the latest headlines have been really quite an education for me. Question for the seasoned homeowners and/or mortgage professionals here: Do I need to be concerned about the state of my mortgage and/or lender? I am not trying to sell, just bought the house last year, no problem with payments, I have a 30 year fixed 80% and 20% loan on the home, my lender is a credit union.This may be a totally stupid question, just not sure if all of the troubles ahead apply to a situation like mine, or is it just for those that are in foreclosure or for those seeking a loan in the near future?Thanks in advance for any assistance in helping me understand the current state of the mortgage world.July 14 2008 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.