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Getting a lender to budge on underwater home sales—tips?

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geo_milo
Posts: 8
(@geo_milo)
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Looping in a supervisor is kind of a gamble, honestly. I’ve done it a couple times when my short sale was just sitting there with no updates. Sometimes it lights a fire, but other times it just means your file gets shuffled to the bottom of a new pile. Here’s how I usually approach it, for what it’s worth:

1. First, I try to get as much info as possible from the frontline rep—ask for timelines, next steps, and if there’s anything missing on my end. Sometimes they’ll admit they’re waiting on something simple.
2. If nothing moves after that, I’ll ask (politely) if there’s a way to escalate or if a supervisor can review. I try not to sound like I’m blaming anyone—just that I’m stuck and need help moving things along.
3. When I do get a supervisor, I keep it short and stick to facts: “Here’s what’s happened, here’s what I need.” No long stories or venting.
4. After escalation, I follow up every couple days. Not every day—that just annoys people—but enough so they know I’m not going away.

I agree with you that sometimes it just adds more layers and slows things down. One time, the supervisor literally repeated everything the first rep said and then told me to wait another week... super helpful.

But on the flip side, I’ve had one supervisor actually call the negotiator directly and get my file moved up. It really depends on who you get and how overloaded they are.

If you’re dealing with an underwater sale and the lender’s dragging their feet, sometimes you have to push a little harder. Just be ready for some extra waiting or even having to resend docs they “lost.” It’s annoying but seems par for the course.

And yeah, cookies probably wouldn’t hurt... but at this point, maybe coffee would work better.


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echopodcaster
Posts: 19
(@echopodcaster)
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Couldn’t agree more about escalation being a mixed bag. I’ve had files sit for weeks after looping in a supervisor, and honestly, sometimes it feels like you’re just starting over with someone else who’s equally swamped. One thing I’ve found is documenting every call and email—dates, names, what was promised—makes it easier to hold them accountable when things stall out. Not sure it speeds anything up, but at least you have a paper trail if they try to claim you never sent something. The “lost docs” excuse is way too common... I’ve started sending everything twice, just in case.


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Posts: 5
(@barbarapoet)
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Totally get what you mean about the “lost docs” excuse—had that happen to me more than once. I’ve even had a lender say they never got my hardship letter, even though I sent it certified mail. At this point, I keep a spreadsheet with every little detail, just in case. Sometimes I wonder if flooding them with follow-ups actually helps or just gets me labeled as “that person” in their system... but I guess it’s better than being ignored. Anyone ever try calling at weird hours? I swear I’ve had better luck catching someone helpful late in the afternoon, when things are quieter.


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sailor19
Posts: 21
(@sailor19)
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I actually tried the “call at weird hours” trick and, honestly, it backfired for me. I got someone who sounded like they were halfway out the door and just wanted to get me off the line. Maybe I just have bad phone luck, but I swear the more I follow up, the more they seem to “misplace” my stuff. At this point, I’m half convinced they have a special folder for people like me… labeled “persistent but annoying.” I still document everything, but sometimes I wonder if less is more.


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Posts: 17
(@holly_martinez)
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I hear you on the “persistent but annoying” folder—it honestly feels like that sometimes. I’ve had situations where the more I tried to be proactive, the more my paperwork seemed to vanish into the void. In my experience, it’s less about frequency and more about timing and content. I had better luck when I sent one really thorough, well-documented email (with attachments and a summary) and then gave them a week before following up. Calling at odd hours never worked for me either; it just made everyone grumpy. Sometimes, less noise but more substance gets you further.


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