I have been in the mortgage industry for over 8 years.

This is the 1st time I have every seen it like this.  The mortgage meltdown is very hard on people. Answer To Question However, the market turnaround time is going to be when the foreclousre issues will be resloved or when the foresloures rates are back to normal.  However, if you need a good solid mortgage loan, there is Fha mortgage home loan and USDA No Money Goverment  Backed Mortgage Programs.  Lifestyle Mortgage can help you qualify free apply online.