You Don't Need The Bank's Permission...
Have you been thinking that maybe you need to sell your house as a short sale? Have you lost your job? Is a medical condition taking all your resources? Has your payment gone up too high to manage after your rate reset?
Do you think you need the bank to ALLOW you to put your home up for sale? 
You don't. The bank has nothing to say about it. It's your house, and you can put it up for sale.
NOTE: You will need the bank's approval to CLOSE a short sale after you have an offer.
That is a different subject.
But, can you list your home without the bank's approval and get a buyer willing to pay a fair market price, even if it is less than you owe?
YES.
That doesn't mean the bank will say yes or no, but you have started the process.
If you have more questions about how to avoid foreclosure, keep your home, etc., I have answers. There are a number of solutions that will help you through your situation and make life much better throughout the process. Walking away is not your only choice when you are in a spot.
If you need a short sale specialist in Ohio, call me...don't wait until it is too late.
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