Hi everyone, I guess we'll all be busy in filling out this form and the worse, no extra fee~~ I was going to prepare ahead of time to analyze and find some ways in how to fill out this form effectively "starting" on 4/1/09, but the lender is already asking to submit my reports "with" the 1004MC from now on... I think I would not have any problem in filling it out, I would find such info on the public records and MLS listings. But my question is, for those who already "enjoying" the new form, how long does it take for you to fill out? And, in my case, I work in Los Angeles area with different cities' market trend, do I have to make every 1004MC customized according to each city, or do I just use a general COUNTY market trend emphasizing and covering all cities? Because I feel so disappointed in wasting my time in a form that we cannot charge extra and spend great amount of time to gather, analyze and put in writing all the data. I've seen other threads regarding this topic, even to the import/export data to Excel, but I don't really know how to use it... Any suggestions in how to fill out this new form in effective way? Thanks in advance! Please feel free to send any sample attachments so I can have some idea in how to improve the form!