I see you have listed yourself as buyer and seller ...are you asking these questions because you are in foreclosure proceedings? If so, there may be a way to save your home. I dont make any guarantees but if you like, I can sit down with you and discuss your options. I also provide loan modifications at no cost for distressed home buyers as a way of giving back to my community so we can see if this is an option for you depending on how far you are into the foreclosure proceedings. Good luck and God bless.