BEST ANSWER
FIRST ANSWER
First, I'm sorry about your circumstances. I know it must be very upsetting to try to deal with this, particularly when you are not getting anywhere with the lending institutions.
If you have your home on the market For Sale By Owner, it may be difficult for you to get through the intricacies of getting a lender to approve a short sale. If you haven't already done so, I would recommend that you speak to a Realtor who is qualified to handle listings that may result in a short sale. Trained Realtors know how to navigate through those choppy seas. If you're within a 35 mile location from Richmond I could help you or refer you to someone in your area who can help. Of course, this is only if you are not already under a listing agreement with another Realtor. For some info about short sales vs. foreclosures, feel free to visit my website http://www.RichmondShortSale.com
Wishing you all the best,
Deb Orth, REALTOR
CDPE - Certified Distressed Property Expert
Keller Williams Realty
Richmond, VA
Deb@RichmondHomes4You.com
Sun Jan 4 2009, 13:58