I had a Green Tree first mortgage and the negotiator actually called stating the fact that Fannie Mae has denied 9 of his short sale files within one week.  He did say that they all want more money then even the home is worth.  I did ask him - IF the buyer raises his offer to what Fannie wants - and it appraises for $20,000 less - the what.  He had no response.  I am seeing this more and more.

I also want to ask if 2013 - the debts that the mortgage debt relief act assists homeowners not having to re-pay the deficiency balance - will they all have to in 2013???

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