duh!! Fannie and Freddie have the most incompetent contractors I’ve ever seen (and I’ve been around more than a “little while” . . . lol) to attempt to effect a successful “short sale” or “deed in lieu” and eventually get a property off their books . . . Not only are these folks often 3000 miles away from the “action,” they couldn’t locate a (new/latent/secondary purchaser) second trust-deed holder (for a cursory sign-off) to save their souls. ‘Nuff said. Incompetence has got them where they are today and its no wonder why their “contracted personnel” can’t find their way to the restroom without assistance . . . lol! (This comment comes from a well-informed observer.) It is what it is.