Here's the background:

This is the FOURTH time I've sold this house--the first three times the 1st (Countrywide, now Bank of America) took so long to work it through their system I lost each buyer prior to closing.  The current offer on the table, approved by BofA and Freddie Mac after 4 months, has now been bounced back by the collections agency initially hired by WaMu, now Chase.

What these really POLITE and INTELLIGENT (note the sarcasm) guys who work for Tate & Kirlin are telling me now is that, since it took so long to get an approval from BofA, the second is now under Chase, and they will take no less than $8,000, when they had agreed to $2000 under WaMu, and they want every penny they can get, out of my whopping 6% (1/2 on $49K=less than $1500).

The issue(s):

• This is Freddie Mac, who will not negotiate below a 6% commission.
• even if we agreed to lower our commission, it would go to the first, not the 2nd lien.
• they will receive nothing if the 1st forecloses, which it will if this sale does not go through.

The only advice I have gotten, from anyone, is that I'll have to re-negotiate with these people, when there IS no negotiating with these people--I can't change anything on the already-approved contract with Freddie.

Anyone have any other ideas?  I have advised my client to seek legal representation, since I am pretty sure the 2nd mortgage falls under predatory lending practices, but I really see nothing else I can do.

Thoughts?  Comments?  HELP?!?