I have met with Bill Craighead of Cleveland Home Title and Chris Hartzell of Union Capital Mortgage about above.  It seems to me that your middle to large local mortgage cos. with their own in house escrow will be the ones (at least initially) to handle the ripples of the new 3 day rules.  I only mention this as they will have the least links in the chain and therefore the least resistance when navigating these new waters.  Again, the advice I continue to receive and pass along to you is leave more time in transaction.  A minimum of an extra 10 days is suggested.  Thank you.