hi.....if you can find out who the attorney's office that foreclosed was....you can actually forward the offer to them, and they are required to then forward it to the appropriate people at wells fargo....ask who the collateral manager is on the file...there could be a pmi company involved in which case the bank cannot list it until the final details of the pmi settlement are complete.....they also, may not have assigned a listing agent yet.hope that helps.bob mcclure- mortgage now- farmington, michigan (248) 806-0366..we are licensed in florida...

Hi Janet,

Michel, I like your proactive attitude and answers!

If you can get the bank's attention you will get a response. If you sit around and wait you will more than likely loose this potential deal. Sending a certifide letter will get your message to the right area, and you will have a written receipt (a name) of who received the letter at the bank. Making random and point-less phone calls would be waste of your time and efforts I think.

You may try looking on the web for a type secretary of state website to view corporate certificates that may give you a name of the bank president or other higher-up members and send your letter to them certified mail. There are lots of ways to bypass the traditional way of doing things. Be creative!

Good luck!

Banks have a procedural process that disposes of their
REO inventory. The Department has recognized
agents that have gone through a screening process
and they place the listing into MLS and instantaneously
it is available to all members. Once the Bank
has the property listed they'll respond to offers usually
within 24-72 hrs. which is much nicer than the short sale
process, as we all know.

Go to your local board and ask whether they have the list of loss mitigation officers for banks in your area. Go to the local wells fargo office and ask to talk to the manager. Go on Wells Fargo website and use the "contact us" button. Try, try and keep trying. You will eventually find someone who will get things moving. One technique I always like to get an answer is to send a certified letter to people who, I think, should be able to help me and I add a cc: to the Executive VP or CEO. For whatever reason, the cc: generates action.

Generally, you will have to wait until the bank makes a determination regarding their pricing and remarketing of the home. Who did you make the offer to? And why didn't you bid on the courthouse steps if you wanted to make an offer?