My, my, arenâ€™t we sensitive. Ray, my indication of stupidity was, perhaps poorly put, was directed at the lender who you report was unwilling to consider a short sale, because, to quote from your original question, â€œThey say I can't short sale because I owe them too much money and the mortgage is more that the home is currently worth.â€ (The classic definition of a short sale, isnâ€™t it?) My accusation was not at you but seeing how you interpreted my â€œharshâ€™ comments, perhaps one of us might not be fully considering how to say or how to read what is said.
My comment was that you seem to have the short sale criteria filled to the maximum. I recommended looking for someone who might be versed in these deals and mentioned a couple of â€œtypesâ€ that might be willing to help you, with a profit motive.
Jack Vallenberg seems ready to do just that. He has had some darn good answers here, and while I have never worked with him, Iâ€™d recommend talking to him. I have no personal interest in working as far south as Mullica Hill. Perhaps Mr. Vallenberg wonâ€™t mind the 80 mile, 1 Â½ hour trip or can do things over the phone. Simply put, Iâ€™m much closer and do mind, so I am not going to be your agent. (As if I had a chance.)
With the current state of the economy, there are a ton of options and you should carefully consider the one that â€œclears the decksâ€ for a future life, which you surely should position yourself as best you can, to enjoy to the fullest. Do read into things a little more carefully, because the nicest person may not be offering the best advice.
What I said in my â€œharshâ€ initial response, meant then and repeat now, is best of luck.