%% STILL looking into that; I'm sure it may vary broker by broker, also. I make sure to moniter some cash ETFs\100% of foreclosures are caused by leverage. Dave Ramsey is right on that also. I asked the local bank bank teller, today ''is it still 2-3 days for check to clear??] OF course that's worse case scenerio average] She said yes. But then added its gotten faster...... BUT most any loan can be called @ any time. Even if a loan is called with good-generous notice\Dave Ramsey went bankrupt when another bank bought out his bank\then called the loans, asap