>

>		Select a.wcode, Min(d.st+d.cnty+d.unit) As collector, b.display_loan, d.acct, b.borrowername, a.branch, Min(b.Id) As loan_id, Min(a.Id) As property_id ;
>			from mtgproperty a , ;
>			mtgloan b, ;
>			mtgacctnum d;
>			INTO Cursor temp ;
>			where (a.client_id == users.client_id);
>			AND (b.Id == a.loan_id );
>			and (a.Id == d.property_id ) ;
>			AND Iif(!Empty(lcFromAccount),(Padl(Alltrim(b.loan),20,[0]) >= Padl(Alltrim(lcFromAccount),20,[0])),.T.);
>			AND Iif(!Empty(lcToAccount),(Padl(Alltrim(b.loan),20,[0]) <= Padl(Alltrim(lcToAccount),20,[0])),.T.);
>			AND Iif(!Empty(lcContract),(Alltrim(b.contract) == Alltrim(lcContract)),.T.);
>			AND Iif(!Empty(lcAddress),(Alltrim(a.situs_addr1) == Alltrim(lcAddress)),.T.);
>			AND Iif(!Empty(lcName),(Alltrim(b.borrowername) == Alltrim(lcName)),.T.);
>			AND Iif(!Empty(lcParcel),(Alltrim(d.acct) == Alltrim(lcParcel)),.T.);
>			AND Iif(!Empty(lcCounty),(Alltrim(a.county) == Alltrim(lcCounty)),.T.);
>			AND Iif(!Empty(lcBranch),(Alltrim(a.branch) == Alltrim(lcBranch)),.T.);
>			AND Iif(!Empty(lcSt),(Alltrim(a.st) == Alltrim(lcSt)),.T.);
>			AND Iif(!Empty(lcCollector),(d.st+d.cnty+d.unit == lcCollector),.T.);
>			GROUP By  1, 3, 4, 5, 6
>
>

A few suggestions:

1) SYS(3054) will tell you how VFP is optimizing the query (or not).

2) Move the join conditions into the FROM clause to distinguish them from the filter conditions.

3) Don't use single letter aliases in queries. While the bugs around this have been fixed, it's just tempting fate.

4) If this is a recent version, use EVL() instead of the IIF()'s. That should be a little faster.

5) Unless the id fields are character, you don't gain anything by using == instead of =.

Tamar