According to Lender Processer Services, 60% of borrowers who are behind on their mortgages in judicial states haven’t made a mortgage payment in over 2 years!  In non-judicial states, it’s 30%.  Both are incredibly high numbers.  One of the main reasons for this is the banks are advising their clients to modify their loans or attempt a short sale.  We have seen a dramatic spike in seller activity on our website, as they look for real estate specialists near them to help them short sale their home.