I usually only answer a question if I have any new or pertinant info to add, but I think you have all done a good job of that already, Patrick you crack me up, Jay I alway appreciate your depth of knowledge and vigilance, and Angela I think you really shed some light on this, so I apologize to Sonny74 for not adding anything new to this question. What I do want to comment on is this sport of "blame the realtor" that is rampant in our market. We are not the listing agent or the buyer's agent in this transaction so we can only guess what is going on. Do we really want to assume that the agents are not performing their job in this situation? If this were your client would you not submit the offer and hope for the best? Would you contact the bank directly or would you go through the listing agent? Do we really want to call the broker when the BANK doesn't answer our questions? Is the listing agent violating the rules of the MLS? Really? Look at the listing contract, warranties, utilities, time is of the essence?, you must be kidding if you think the bank adheres to anything in our standard contracts. When you fill out a purchase contract what do you put on line 16? Whenever? What do you tell your client to expect? How about response time, we might as well just write in whenever they feel like it. The banks have us over a barrel and we know it. Our buyers want what they have and we must play by their rules if we want to stay in the game. Until we are prepared to stop listing and buying their properties, we are forced to participate in this unfair and sometimes brutal market. Thanks for letting me vent and GOOD LUCK to us all!!!! - Thu Sep 3 2009, 08:58