Owner not cooperating, Can I go thru the BANK?

[K C]

A House on the market for a short sale, lets say its listed on the market for 150,000. I'm going thru the same agent that the owner is using to sell the house.

The house is empty and the owner moved out of state. I looked at it and thought it would be a nice first home. Got pre-qual.

I was ready to put in the paper work to sign on with the realtor and submit an offer, but the Realtor is telling me that the owner is not cooperating and has some problems.

The agent told me that about every 6 months the owner , when accepting an offer has to submit his w2 forms, and other paper work to the bank ( I have no clue what the owner has to submit or if this is even true) BUT, the agent said that he's been e mailing and leaving messages for the owner! Also claims that he's going thru a divorce and that the house is or maybe isn't on his list or priorities.

My question, can I go or contact the bank BOA I believe is holding the loan and try to submit an offer thru BOA or must they follow certain steps before they can put the house up for action?

Thanks in advance for any feed back

[Nick J.]

The bank doesn't own the house yet. I think it would be easy just to move on, don't you?