Sounds to me like this primitive is running into the same problem everyone is intend to sell is - the 'Summer of Recovery' has seen nothing but job losses, business closings, and property devaluation. All it takes is a couple of bozos in your neighborhood to sell their homes for remaining mortgage to cause everyone around them to fall. (part of an appraisal is based on comparable properties in the neighborhood's recent sales.. if one or two owners went fire-sale and dumped the property to get out from their mortgage, then those decreased comp values decrease yours as well. However, If the house is a bank sale/auction it isn't supposed to be used)
So now the primitive is looking for the least expensive way to gain back some of that value. For the near future, nothing is going to work. Sorry.