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"This report is only good in the context of the incredibly bad report last month," say Mark Zandi, with Moody's Analytics. "But last month will be the low point in the cycle. When we look back years from now, it will be the bottom. The worst is over.

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GMAC Mortgage and other banks may hope to sell the story line that its problem is limited to a lone “rogue servicing officer.” Unfortunately, the servicing officer in question indicated in his testimony that he prepared 10,000 or more...

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The Mortgage Bankers Association has a conference in process, and apparently (according to NC) they're "freaking out." (ed: Good - they should be if their minions have been filing false affidavits by the thousands!)