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Yeah i know that games usually switch to a certain resolution when loading, this might be the problem, but they have worked fine in the past. If the game has worked on your comp before, and you have all the latest stuff for it, and has been running ok with them it sounds like something has become currupt.
Windows has a nasty habbit of messing up after a while, a simple reinstal of windows might help. Unless it is win xp which i dont think you can instal over the top of xp. But if you have winME or 98 etc just reinstal windows and the problem maybe fixed. This wont effect your settings you have, and could sort the problem, will only take half and hour 
That is sommit i would try if you have tried most other things 
If it is something else that is currupt though it may need a reformat and reinstal of windows, but that is the last resort 
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