Homeowners have begun to be evaluated under the latest enhancements to the Obama Administration’s foreclosure rescue program, but many of the biggest lenders are not ready to fully implement the upgrade, missing the June 1 deadline set by Treasury officials.

The average borrower facing foreclosure didn’t see eviction for 253 days in February 2008. Four years later, that potentially “rent-free” period for those who stay in their homes is up to 667 days, according to data provider Lender Processing Services.