[CWMATT]

I have one loan @ $375,000. I was an A-paper borrower, verified income, assets, put 20% down, although I did get a 30 year fixed with 10 year interest only. The house is in South Florida, one of the hardest hit areas I believe. Spoke with some realtors and appraisers, my size home is going for really low $300s now.

I tried the short sale route with only one offer. Submitted it to countrywide and after that lengthy process, was denied. So I started the Deed in Lue process back in June. Review process completed, then they have ordered title which I am told takes 30 days, which should be coming in any day now.

I never get calls from them asking for anything, it's always me calling. After yesterdays call to them, I got a call back asking for last year's tax returns and my listing agreement. I sent both over to them (even though I had sent pictures of the sign in my front yard and advertisement a couple other times.

Whenever they asked for a listing agreement in the past I explain to them I am doing it by owner they said that's fine, just send over what I can to show it is for sale.

Thanks