Hi Jean,It is taking the banks FOREVER to get anything done... from responding to offers, to getting docs signed, to getting to the closing table- the whole process is painfully slow and inefficient, and seems to be getting worse.I'm still waiting to close a deal that I put under contract with the bank back in July.

Leverage makes it really painful because you didn't have to pay up front.

If you take the risk and enjoy the rewards, then you've got to accept the pain when you are wrong.

Pain in the neck sometimes but we now have the lowest maintenance fees in the City we are in.

I refi'd it in June, but it took 3 months and was a pain.

Well, then you are probably upside down on all of them.If you are concerned about your FICO, anything less than a full 100% payoff or keeping the payments current until the market turns around is going to hurt.Many will debate the degree of the pain but at this point, there is not much point to it.

It's just not going to be as steep.Unfortunately the effects will now be longer lasting because we just added a burned to tax payers that will only compound the pain and accelerate a weakening dollar and higher inflation.Next Monday could be the bombshell.

However, it seems to encourages more bad behavior because people won't feel the pain of bad decisions.

You get the point.Is it a pain in the ***?

You just need to make it painful enough for the city officials that they give in.