For all of 2009 we were proclaiming Wells Fargo and Citi to be the best in terms of short sale negotiation time. However, EMC Mortgage has been by far the easiest most rational bank to deal with. They have recently joined with Chase and even Chase’s files are moving faster. EMC is now our preferred lender of choice to deal with. Of course we don’t get to choose who to help and we don’t pick and choose. EMC files move faster and seem less incumbered than other lenders.