Geeze "J" you sound a bit uppity with that answer.
What's your problem? Made a few bad decisions yourself that you'd like not to take ANY responsibility for?
In my neck of the woods, someone with that tone would be called a nasty name but we're all above that here.
I can give you full access to the MLS and you'd still not be able to do half of what I can, it's not just about data but also how you use it and the knowledge possessed by a professional to implement it. Not to mention the liability coverage we carry for errors and omissions which you undoubtedly wonâ€™t spring for selling by owner I'm sure of. On another note, when Rick purchased the home how exactly would going FSBO have helped him? Thatâ€™s just a ridiculous comment.
"Think" before you speak in such a nasty tone, it's unbecoming and doesn't reflect well on you.
Real Estate "is" local, economic factors can have an effect on local real estate but if you think about it, different areas have been affected at different degrees wouldn't you agree?
If that ain't local, what would "YOU" call it?
The Internet will never carry the "Full" MLS in such a way that all the data is available to you, you'll still need to call a realtor to obtain the juicy details. Data is a valuable commodity and what you see on the Internet isn't all the listings out there, the Broker of Record for each company must decide "if" they choose to disseminate the data in such a way to allow others to publish it as they will and in turn use that data to attract people like you who will create what is called traffic and thus create a wanting from paid advertisers to sell advertising on the sites much like this one. Only some of the money generated to support this site also comes from "REALTORS" that which to advertise here as well.
Besides you are SO WAY OFF TRACK here, the question asked was about a Loan and modification of it, NOT finding mls property data on the Internet!!!! Wise up ya silly goose and stop bein' so darn angry.
Only work with the bank to do the modification no 3rd parties.
Find out it it's even worth it to do a loan mod, what is you home really worth in this market and how much do you owe on it? Are those two figures way off base? Find out if the bank will not only do a loan mod but restructure you loan. Many banks will restructure the loan in such a way that they actually lower the amount that is owed on the property. Kind of like a short sale where they will forgive some of the debt like they would with a short sale anyway. That is perhaps another option that may make getting caught up worth it for you. Get everything in writing if they agree to do that, if you're not talking to the right people they may just be debt collectors looking to get what they can out of you, I get those folks calling me from the banks sometimes when I'm managing a short sale.
WHO have you been speaking to at the bank?
Ask to speak with someone in the loss mitigation department or the short sale department so that they can assign a negotiator to your case. There are many options, in the end if the bank is not helpful, contact a realtor to try and do a short sale and if you still can't sell it for many possible reasons. Offer up a deed in lieu of foreclosure then use that $4K to rent.
By the way if your mortgage is $1800 a month and you are 2 months behind and you have the $4K, why aren't you repaying your mortgage obligations? Has something happened in your life causing a hardship which is preventing you from being able to continue making the payments?
Take my advice and I think someone else here mentioned it, contact http://www.hopenow.com
they have assistance available from professionals, even attorneys on staff to help answer any questions you may have and might be able to do a better job speaking with your mortgage company requesting that loan mod.
Good Luck and God Bless...