I had sent IndyMac a value dispute with all of the documents they requested (CMA, MLS sheets, contractor report, photos, etc.) after they had countered my client's offer of 180k with a value they feel is "fair" at 280k.

Back when they had ordered the BPO, the agent assigned to go out to the house and determine an opinion called me after she had gone to the property.  Her voice was almost that of disgust saying things to me like "how can anyone live there?", "The roof is falling apart!", "This place is no more than 190k TOPS!".  Just to note, she had told me this AFTER she sent her findings to IndyMac.  Now unless the BPO agent was lying to me, I don't see how IndyMac can come up with 280k after TWO agents familiar with the area gave them values hovering around 190k.

I also called Fannie Mae, the investor, to see if I can send a value dispute directly to them.  Quite honestly, they sounded like they couldn't care less.

So basically, I have to start all over again on account that IndyMac closed the file.

Help?