The question about Fair Market Value--total value of your home on the date the debt was last secured by the home. Is that what the FMV is today or when loan acquired?

[KrisD15]

It would be for the date the loan was acquired. If this was the original loan, it would be the price you paid for the home. 

[attyatlaw97]

If it's a refi-- then is it the value at the time of the refi?

[MindyB]

Yes, that is correct.  You can answer the question with the FMV on the date of the refinance.  If you had an appraisal prepared, you can use that, or use what was estimated as the FMV for the loan.