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Short Sales: Attitude and Guessing Games
I am working on getting a short sale approval for a house in Destin FL.  The mortgage is about $200,000 and the offer is for $130,000 (modified for the sake of confidentiality), which is slightly under maximum market value of $145,000.  The lender is Vanderbilt Mortgage.  To be blunt, they are not nice.  Most lenders have been in this game long enough to know how the system works, and have probably had thousands of short sale requests.  Vanderbilt just doesn't want to play.  Here is what is going on:
Faxed Vanderbilt 41-page short sale package with typical items, contract, settlement statement, hardship letter, etc.
After several days and numerous phone calls to Vanderbilt, they state the party handling the file is on "vacation" and to fax all to a different number.
After several more days and numerous phone calls to Vanderbilt I am told they cannot find the fax.  OK, I am used to this sort of thing, so ask where they want me to fax it the third time.  The girl says, "You don't need to fax it again, just tell me the net."  I was a bit dumbfounded, and pressed that I didn't want to waste the effort I had ... more

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