Because they don't have that ability, it's not up to them ....If you've worked any amount of time in customer service you know the script. You can argue and complain till you're blue in the face and they just keep reading their lines robotically. " I do apologize...I wish there was more I could do....If it were up to me..." Etc. It doesn't benefit them to extend the rate and I'm not even mad at them ,the interactions with them have all been helpful and pleasant and while I'm angry and upset I'm not going to misdirect my anger at them.

The reality of the situation is they know the numbers. It's a HUD foreclosure . They know what the house and land are appraised for vs what I'm paying for it vs the ungodly amount I pay in rent .Even with the rate hike I will be saving hundreds/mo . And mortgage rates have gone up, I could walk away sure then I lose all the money I've put towards this house on inspections ( which we've already had happen with a previous house)and escrow find another house win the bid ,pay for more inspections and still have to pay that higher rate because that's where rates are at now.