Need Short Sale Help!!!

I'm making a plea.

Seriously. This is to anyone that might have an answer. This is my message in a bottle.

We've been under contract for NINE months now. Nine. Nothing seems to move along. I'm due in eight weeks. We are in a place until the 24th of April. I'm suppose to have a baby just a few short weeks after. If we don't close by the 24th, we have to move, AGAIN.

My husband and I go back and forth on our angry days. Sunday I was furious. Angry doesn't eve begin to describe the feeling. I can't be positive anymore. I have nothing nice left to say. It seems that most of this mess comes down to having a lazy negotiator. (A realtor in the Denver area whose name I will give out gladly if you want to know who to avoid.)

If I understand correctly, the negotiator is hired to be the go between: the banks and the parties involved.

What if that person is incompetent, can't formulate an email to save his life, is rude, is disliked by both realtors and spends his time tweeting?


Or says that he can't make a phone call because he starts his second job at 11am? If you can't do your first job, don't get a second. Perhaps you wouldn't need a second job if you did your first.

What if you made a call to a bank he's said he's been trying to get a hold of for two months but can't get off hold and you get through in less than five minutes... to a person who says you got through to the right department and could of helped if you knew the loan number.

But you don't, because you aren't given that info.

We are told we aren't allowed to contact anyone, the more we try, the more our file gets placed at the bottom but my husband was too annoyed today.

We can't sit back any longer.

If I could fire the negotiator, I would. If I could take things into my own hands, I would of long ago. If I could drive a tank through a few homes, I would.

What if the negotiator says the people he got verbal approval from don't work at the bank anymore. This "verbal approval" was suppose to be followed by a letter days later. Meanwhile almost two months have gone by since this "verbal approval".

What if you seldom hear from this negotiator, you wonder if he got fired but no one bothered to tell you, meanwhile you sit and wait for a house you were suppose to close on last year?

We are told the banks don't care if you threaten to walk away.

We've jumped through endless hoops. Agreed to pay money we hear we are legally NOT suppose to pay but the greedy banks require to close the deal.

Money to pay off the second lien holder.

And HOA's that aren't even ours.

We are told we must pay for an HOA overdue balance for a property the pervious owners of the house bought. This is not even for the house or the land the house sits on, this is for land we aren't purchasing but it's another few grand we have to bring to closing because the banks holding onto the house WE BID ON say so. We can't close on the house unless we pay this. Oh sure, they say we'll be reimbursed when they have proof that it isn't our HOA. They said the maximum time this short sale would ever take would be six months. They said we would for sure close in December.

They say a lot, don't they?

We have jumped through so many hoops. It seems like some of this is fraud but people have no where to turn.

Where do we turn?

Where do others turn?

What do we do?

Is there anyone out there???

1st lien holder: Bank of America
2nd lien holder: One West (Indy Mac)
Negotiator: A Keller Williams Agent

UPDATE: Our negotiator seemed to get in contact with people, located the file (had no idea he couldn't locate it), and filed complaints with all sorts of departments. He also snuck in a nasty comment about my husband calling people yesterday saying that by us doing so, we won't get anything done. Strange because AFTER our negotiator gets wind of us trying to stir the pot, he gets a bunch of things done in a matter of a few hours where he couldn't even make a phone call in a matter of MONTHS.

Hopefully more updates soon... and not like in three months soon...