The reality is that the bank does not own the property. Until redemption is over you and your agent should be dealing with the agent of the seller. Unless you have specific permission to contact this third party (lender), you have no "right" to do so.
I understand the frustration but you could be excused of interference. And frankly could cause more harm than good.
What you and your agent could do is offer the selling side to help with the situation. Does the listing agent have training and experience in this area? Maybe so, maybe not. Feel free to offer help. At the mimimum ask the listing agent to update you on progress so far.
Perhaps everything that can be done is being done. Sadly, only about 20-25% of attempted short sales actually go through.
Worst case scenario is that you will be able to make an offer when it becomes bank owned.
One thing to watch for is when redemption is up is if the property is posted by the new agent. That would give you the opportunity to contact him/her and let your intentions be known. Might get you to the front of the line.
So I would be keeping an eye on the property as well as the MLS.
Best of luck. I know you are trying.
Heather, I suggest you pose these questions to your agent and have them get on the phone to get you some answers. I do agree that calling the lender on the other end is NOT your agent's domain. But, they can get the seller's representatives on the phone or show up in person to sit on the door step unless/until they get some answers. You may not like the answers because the banks will do what they will do and won't be hurried or rushed by anyone.
And, Heather, just be aware that only about 25-30% of all short sales ever go through. Good luck!
Once the redemption period is up the 1st mortgage company will own it clear with only delinquent taxes/assessments due. If the bank is local or smaller, you/your agent may make some headway with them. If it is some conglomerated bank, your best bet is to watch the house and wait for a posting from the future listing agent saying they have secured the property. Once you see that, prepare an offer and submit to that agent. Even though it isn't yet listed for sale, the agent is obligated to share all offers with the seller and it gives you the best chance to be in there first, which may or may not help you get the house.
I spoke to an agent they did offer to sell directly to her client if she processed the deal for a flat fee.
You may have more luckwith a small bank than with a large bank. There is a reason for the saying "Nothing ventured nothing gained." GO FOR IT.
Good Luck - come back and let us know if you got the hosue or NOT.
Nor are they going to furnish you the documents to submit a sales offer, you agent has all those docu's represent you in best light for bank possibly accept your sales offer
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