I wanted to share my experience with PNC bank. I had a short sale listed for about 6 months. After getting my first offer PNC bank came back and said Fanni Mae needs 215k. Well the good realtor that I thought I was I got them their bottom line after commission. The negotiator told me we should be ok because we got the bottom number. The bpo came back at 257. Our offer was 231 which covers bottom line taxes commission and all expenses. Well good enough after 6 months of negotiating, PNC bank came back and said we regardless of price we need seller to sign a promisary not of 45k. Therefore my contract went south and I am back at sqaure one. Now I have a listing that the bank is insisting on 213 + 45 = 258, which is 1 k more than the bpo they conducted. Any suggestion?