Contacting an investment company might be your best option since they can provide you with a bonafide offer your lender will require to even consider a short sale.
There are many methods other than short sale or foreclosure including loan modification or died in lieu. Please visit my website for further information.
Try this website:
It has information on the possible opportunities you may have. See if your house qualifies for a remodification from US Gov. Please be very careful of any offers out there to help...loads of mis leading information. Get another Realtors opinion on your value. Try and talk to your bank. Try to keep up your payments current as best you can and if worse comes to worse...get it listed right away in short sale if you have to.
Banks are beginning to move on short sales a bit faster than earlier in the year. There are some incentives for the banks to try and work it out with you. Try all these steps and I will leave my contact information if I can help you out in any way. I am happy to give you my evaluation of value in a second opinion. Take care.
Realtor**Moving you in the Right Direction!
Best of luck to you.
Coldwell Banker Residential Real Estate
Why do you think your house would sell for 325k? If you think its worth that much then I would suggest to talk to your realtor and explain your reason. But, if realtor came up with his number by comparision market analysis then he would be right to start with that number to attract buyers quickly for your house.
Bank also sends their appraisal and do the same thing as your realtor to figure out the market value. So, give it a try, you never know, bank will take that offer, if that's close to market value...Good luck!