The bank doesn't want your house, they're not gonna just come and take it.
They're not in the business of selling houses.
So you don't have to worry about interest rate fluctuations, market changes or if you bought your house in the last six months, for examaple, and let's say and prices have come down below what you paid for it and you might be in a negative equity situation.
As long as you're making your monthly mortgage payments, the bank's not going to come and take your house.
You might have to stay in your house a little longer and ride out the market and wait until it comes up to make it worthwhile to sell, but the bank's not going to come take your house as long as you're making your mortgage payments.