Terry, You know South Fl is where you REALLY want to be.  Taking a loss on the sale of your house is tough, but if you can do it, you will make up for it later.  The market is a little soft here as well (you will be buying a house here for less than the seller paid a year ago,) so it's kind of a wash.  Once the market takes off again, your home in Florida will be worth much more, both in money and in being where you REALLY want to be..... in   S-O-U-T-H  F-L-O-R-I-D-A !!!!!!