Do you really want to know? Allow me to explain what is happening to you. You are probably calling the short sale dept and they are not able to answer your questions. You are inquiring on why your home is in the foreclosure status as any foreclosure proceedings are placed on hold while under review for anything. The list goes on- the next thing will be that they will close your file due to an insufficient offer. You must understand that the bank wants to get the money any way they know how BUT- if the investor can stand to make a few more bucks off of you - that must happen first! The reason why BAC takes you through all of these changes for these different "programs" (whether NHRP, HAFA shortsale , Deed in Lieu, etc) they get fund for even allowing you to apply. No where in the agreement does it say that the investor must agree and allow you anything in order to be paid- just that they have to allow you to apply. With that being said- its is not as big of a loss as you are thinking. In fact- the longer they string you along by making you consistently "reapply" for this or that- the more money they stand to gain.