Why won the lender work directly with the homeowner?
They may talk to you but many times they use terms that are industry jargon and difficult to understand. Remember it is their job to protect the bank’s asset, not help you save your home. When faced with the decision to liquidate the property, a lender must hire a professional to evaluate all of the marketing costs and value of the property. That is why an attorney is hired which as actually working as a very highly paid bill collector. Try and avoid this at all costs!