I do specialise in short sales they are all different ,I have worked with boa on many occassions ,it all depends on the negotiator and how much you call them they too have time lines they have to respond in ,although it doesn't necessarily go that way .I have closed all the deals with them,good luck to you ,Short sales are not taking as long as they use to ,depends how much you love the home and how determined you are to stay .
You will need to talk with a lender but most banks do not lend the small amount of money and have it go as an all cash deal. If you would like to be referred to a lender to talk to privately email me at Love2listyou@yahoo.com and I would be happy to help you with that.... more
Calcazoo, the short answer is no. You do not need to have an agent but it will be very frustrating to learn the process as you go and it could jeopardize your purchase if you do not know what your doing. The deal can fall through if you do not follow the bank procedures to a tee when performing the short sale and negotiating the terms of this sale with the bank.