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The listing agent can always call BofA. However it won't do any good unless there is a signed and accepted contract to talk to them about. The ne the deal will have to go through equator.
Remember at this point negotiations are between the buyer and the seller. So BofA doesn't really have any thing to do with it until an agreed contract price is reached.
If less than 200k is the Fair Market Value then you should be able to back it up with comps. Send those along with repair estimates over to the listing agent and let him present it to the seller. Make the case. If the offer can't be justified then it is just a waste of time.
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