For example, FHA sales are NOT required to be listed and FHA is an investor and can use several servicers, WF, BOA, Chase etc.

HomePath & BOA, for example will put a 90 day restriction limiting you, the buyer, from selling the property for more than 20% over what you paid for it.Other than that, you should not have any issues with double closings in Indiana.

. - BOA wrote counter checks to themselves against my checking account even though they told me I couldn't make individual payments.

We had to deal with BOA to ours out of the BK.

@Wayne Brooks this is more a question around mods - I saw your reply about 2/3,2%,40yr - any insight you could give for BOA mods?

What I can tell you is not to take "No' for an answer.My experience is that larger banks (BOA, Chase, Wells Fargo etc.) have pretty strict guidelines and someone in a New York office cubicle somewhere on the 55th floor looks at your application and decides about it.

Has anyone ever worked around BoA's assignment clause?

I just accept a business check sent to my po box from their online bill pay service. you do not need to give them your bank account, with BoA they may transfer or deposit only knowing your mobile phone number or email address or with deposit coupons with last few digits of your account

BOA has My Portfolio that links your accounts and calculated your net worth.  

They were going to get the civil judgements and then go after the banks ability to operate in WI eventually, but it of course never got that far and Citi, BOA, etc gladly spent hundreds of thousands, maybe millions on homes that are likely still vacant, just with new paint, fixed porches, windows, etc!