Do you have yoru own Realtor? The listing Agent / Realtor works for the bank, not you. He is under no obligation to respond to your questions.
You should be represented by your REALTOR. they will ask the questions.
Now the LIST price of most Short sales will be the MINIMUM the bank will take. Not saying the BANK will accept your offer and may come back or counter at a higher amount.
Also banks will keep accepting offers on a house untill they get what they want. and my never counter a low offer or even respond to a low offer. Just the way it is
Some times Realtors who list short sales, list for much less thent the bank will accept, just to get offers in.
banks do need your
- written offer,
- copy of certifed EMD
- your proof of funds, or
- Prequal letter from you bank,
- Arms length Transaction form. - Your not related to seller, your Reltor is not related to seller
- Your verification that you will LIVE in that house is a big plus