"30% of loans in foreclosure have not made a payment for at least two years. 47% of those in foreclosure have not made a payment for at least 18 months." LPS Mortgage Monitor Well, then kick them out! No one deserves to remain in a home if they refuse to pay anything towards it. Especially those who haven't made a single payment in 2 years. No wonder our real estate markets seem to go no where. I believe our (Real) employment numbers won't improve until homes start selling at a healthy rate. To me, that is the key to get our economy back on track. Now our "Official unemployment" numbers have improved, but they're not accurate, so we can't believe them. When people "fall out of the labor force" that doesn't make unemployment go down, but that's what our gov't does anyway. Here's some good & bad news on the real estate situation; February Month-End Data: Conclusions -Delinquency rates resumed their decline after an increase in January and foreclosure inventories remain stable, slightly below historic highs. -Delinquencies continue to improve as new problem loan rates decline and cure rates increase. -Foreclosure start declines and foreclosure suspensions are reducing the upward pressure on inventories caused by foreclosure sale moratoria. -An enormous backlog of foreclosures still exists with overhang at every level: -There are three times the number of loans deteriorating greater than 90+ days delinquent as compared to foreclosure starts. -There are also three times the number foreclosure starts vs. foreclosure sales. -Foreclosure inventory levels are over 30 times monthly foreclosure sale volume. http://www.lpsvcs.com/NewsRoom/Indu...ge Monitor/LPSMortgageMonitorFebruary2011.pdf All comments on the thread topic, NOT the thread author!