I'm still working my house in Gurnee and it's been so up and down I can't stand it. Late last week I received notice that Bank of America said my offer was the correct amount and miracle of miracles on Monday they approved my short sale! Not two hours after finishing my happy dance I received a call from my agent. The seller is despondent over losing his house (which by the way he has been living in for three years without making a mortgage payment) and has decided not to make the five fixes that FHA has required before they will approve my loan that he agreed to do five weeks ago (shame on my agent for not getting it in writing). So now I'm back to scrambling. I have asked if the seller will clear out for one weekend day so I can go in and make the fixes myself so I can get my loan. They are small - so small as to be ridiculous - but they must be made. I figure they will cost less than $100 for all five and take only a day. Mostly scraping some pealing paint and some repainting of the outside window trims and deck. One bathtub handle needs to be replaced and two electrical outlets need to be switched to GFI outlets. The fence in the backyard needs a few boards replaced. That is it! But FHA is holding all the cards and I don't have enough money for a down payment to go with a conventional loan. I haven't heard anything yet and once again I'm being held hostage and no idea what is going to happen. I just want a house! How hard can this be? And the reality is I'm helping the seller out by doing the short sale - he is avoiding a foreclosure which will be reflected on his credit for 10 years! The short sale falls off after 3 or 4 years. And he won't be evicted - he can move out in an orderly fashion. If you had small children like he has, what would you do? I just don't get it.