If you have the owners personal information SSN, property address, loan #, then you could pretend your the owner and get payoff information via the telephone.Outside of having a contact at the lender, or at least having the sellers personal information you stand little or no chance.

I don't care to continue subsidizing the pretend United Nations.

Lets pretend that it is all true, and the house needs nothing and the market will is there for 3.5 mil.

Pretend this is 2006-7.

@James Mccarthy I am not a lawyer and don't pretend to be one.

If you're sending me yellow letters, pretending to be someone just interested in my house who is sending me a personal and unsophisticated note inquiring about whether I might want to sell (and that impression is the whole point of yellow letters) and I LATER find out you are an agent, I am not going to be pleased.Also, check your state law and ethics guidelines about when disclosure is required.Disclosing early seems to me to have no downside.

So, while some like to pretend its none of their business, the reality is that it will likely BECOME your business if he gets foreclosed on and has nowhere to live (or gets sick, or gets dementia, etc.).Communication is the key to a happy relationship.  

You don't want to live side by side with someone for years, pretending to be someone or something you're not.When we sold that first duplex we calculated that not only had we lived for free, but we'd been paid about $1000 for each month we'd lived there.  

If the guy wasn't on the lease, I would pretend as if he were a ghost and not even talk to him. 

I wouldn't go around pretending you know how to invest other people's money if you don't.