BoA sucks! Impossible to work with, won't budge for anything. They're the administrators for the mortgage on my place in CO. Tried 3 different short sales, all fell through due to their process and b.s. I finally pulled the listing and am now waiting for it to go into foreclosure. Its worth half what I paid for it, so let them deal with it and come back to me after they've sold it. I'm done with home ownership for a long time, renting works just fine for me.