英语翻译they were underwater,meaning with a mortgage larger than

英语翻译
they were underwater,meaning with a mortgage larger than the value of the house.怎么翻译?
There are over 80 million single family homes in America,and it's estimated that in 2011,18 million of these were underwater,meaning with a mortgage larger than the value of the house.
此句话，当何翻译？

翻译：他们资不抵债了,也就是说,他们的抵押贷款的数额远远超出了房屋本身的价值.
补充学习：
Underwater本意是“水下的”,但用在商业上可以指资不抵债.
美国房屋市场次贷危机产生了许多underwater mortgage,就是指房屋按揭额超过房屋市值的贷款.最近的统计发现,Despite rising home prices,more than 30% of borrowers were underwater on their mortgage during the first quarter of 2012.虽然房价在上涨,但在2012年第一季度,美国贷款买房者中依然有百分之30的人的房子资不抵债.不过,Most underwater homeowners are still paying their mortgages on time.大部分资不抵债的购房者依然在按时缴纳按揭.
英文解释补充：
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