HousingWire reports RealtyTrac’s senior vice president says he does not expect a full recovery of the housing market until 2015.  Rick Sharga, speaking at HousingWire‘s REO (Real Estate Owned) Expo in Fort Worth, Texas, says 2010 saw 2.9 million foreclosure filings, the most ever.  There were 550,000 foreclosure filings in all of 2005, but 376,000 in March 2010 alone.  Citing uncertainty in the market, Sharga says 80 percent of the 1.1 million properties in foreclosure are not even on the market, nor are three-fourths of the 900,000 REOs.  He says there are many foreclosed properties sitting idle.  He states, “We’ve heard from clients that they’ve got thousands and thousands of foreclosure actions backed up because they’ve been told to hold off.”  Some borrowers who owe more than their house is worth may decide it’s cheaper to rent than continue their mortgage, adding more homes to the market.