For the second month in a row, less than half of the nation's homeowners think their home is worth more than the amount they still owe on their mortgage. While that’s up from June’s all-time low of 45%, it is just the third time this finding has fallen below 50% since late 2008, according to pollster Rasmussen Reports, which conducted a national telephone survey of homeowners. Upper-income homeowners are more confident in their home value than those who earn less, and investors are much more confident than non-investors about their home’s value. In December 2008, 61% believed their home was worth more than their mortgage. While the numbers have declined since then, this is the first time that the number believing they had equity in their home stayed below 50% for two months in a row. The survey of 676 homeowners was conducted July 17-18. The margin of error is 4 percentage points. One in three homeowners said his or her home is not worth more than the amount left on the mortgage with another 18% unsure. According to the survey, 7% of homeowners say they’ve missed or been late on a mortgage payment in the last six months, in line with previous months. Write to Kerry Curry. Follow her on Twitter @communicatorKLC.