sdr have you been through any of the Wachovia streamlined process yet? I had a buyer and he purchased a home that was in that process and it was amazingly fast. I think start to finish on the approval process was like 3 weeks. The escrow was longer as we had financing issues but that Wachovia process was very nice. On the other hand I have some other buyers who have been through the meat grinder on two different homes and threw in the towel after many months. It was really tough for them as they were a nice couple but just drew two very poorly performing lenders. I think one of those lenders was either Chase or BofA.