[faith]

Originally Posted by bunnygirl

Hi all-
So happy I found this site. I've got a 1st and 2nd w/ USBank. I'm $60K under water and not able to afford to keep the house. I'm hoping to get a short sale with USBank. Unfortunately, I'm not able to get in contact with anyone using the 800 # despite hours trying for the last week. I work from 6:30- 4:00 and am not able to risk losing my job to hang on the line and wait while I'm transferred, hung up on, etc. I'm hoping someone out there will have alternate contact info for the loss mit/ short sale area there. Perhaps a fax or email? Thanks so much for any help! This is the first month I'm not going to make my payment. I've been begging and borrowing for the past year to make the payments and am finally at the end of the road. Already the process with this bank is painfull! Since finding this site I realize I'm far from alone in this terrible situation. Thanks!

Hello,
Try calling this number for US Bank

US Bank Loss Mitigation
1-800-365-7900

Then ask for their mailing address, the name of a supervisor, manager, CEO, their email address and mail your hardship letters. When you call explain to the US Bank Rep that you are in hardship and wants to submit a Short Sale offer but you don't know who is your negotiator, where to mail your letter and request for Short Sale that's why you need all the address and phone number. Ask to talk to a supervisor to discuss your situation.

If you have a coupon with their address on it send them a hardship letter with your request to do a Short Sale. You have to put your house in the market with a real estate agent for at least 60-90 days, behind in payments for about 60-90 days, give authorization letter to US bank authorizing them to talk to your real estate agent, must have an offer from a buyer to purchase your house in order for them to accept a Short Sale.

Make sure you price your house right within 85-90% of the fair market value. Check zillow.com to see the recent sold homes in your area and go from there as far as pricing your house. From what I've heard US Bank is the hardest bank to deal with regarding Short Sale and Loan Modifications. Your probably need to negotiate to settle the balance owed by paying it down within 5% to 10% of the balance owed payable in 10-30 years and no interest.

Hope this helps. God bless.