www.kobyluedtke.com – Alright, I know they’re far from the same thing. It’s just that I’m getting this more and more with my short sales; the lender agreeing to my offer, but requesting that the homeowner pay back an unsecured loan (promissory note) as part of the approval. Going forward, I’m going to start treating them in similar fashion; that is, the deficiency & the promissory note, when it comes to writing my offer and my short sale packet cover page. Starting next packet, I’m going to request upfront that as part of my offer, the lender agrees to not only waive the deficiency, but also agree not to attach a promissory note to the approval. Probably won’t completely eliminate the chance that they still ask for it or both at some point, but at least I’ll be tackling it upfront so I’m able to negotiate from a stronger position later on in the process. Make sense? If not, let me know. I tend to ramble, but I’m rarely the best with words.