Ok Let me give you a little history to this BOA file.  Everything has been handled in Equator.  When first negotiated the homeowner qualified for HIN plus HAFA so they got both incentives which was submitted to the investor for approval.  I received a letter stating that I was to list the property at $62,000 and if I were to get an acceptable offer they would honor it and give them HAFA money etc.  Before I could reduce the price I got an offer of $72,500 asking for 3% seller concessions.  The bank accepted and resubmitted to the investor at which point I was told that the HO does not qualify for the additional incentive.  I balked, I was confused, and I was told, take it or we will not do anything and foreclose. So the homeowner agreed to the 3k HAFA.  We get the approval letter and the home buying process continues   The appraisal comes back @ 70k. .   I email and email and email, cc everyone in the Equator system.... NO response until after  the expiration of the approval letter. I get an email stating the homeowner was entitled to the HIN plus HAFA and we need to resubmit it back through so he gets it from the closing dept. Two days later I get another email from the same closing person stating that he is no longer eligible for HAFA and that HO may be eligible for an another incentive.  I ask to speak to a supervisor and he states to me that the negotiator made a mistake and that he was eligible for the HIN and HAFA as the HIN comes directly from BOA and has nothing to do with the Federal gov't.  I said ok great so why did I get an email that he is no longer eligible for HAFA two days later.  I was told that that person was incorrect and was being coached and the negotiator is being coached too for their mistakes.  I get a call from the negotiator the next day  and she says no way we are reducing our price, I am not going back to the investor this is what they will take. You either close or we hard decline the file. I was told the HO is not entitled to any additional HIN money and that they were declining the file.  I get this decline letter today.....

We have reviewed your request for participation in the federal government’s Home Affordable Foreclosure Alternatives (HAFA) Short Sale Program. Unfortunately, we are not able to offer you a HAFA Short Sale or HAFA Deed in Lieu of Foreclosure at this time.

Per the federal government’s guidelines, you are not eligible for HAFA at this time because we did not receive your fully executed HAFA Short Sale Agreement or a written request for consideration of a short sale agreement or alternative request to approve a short sale on or before August 20, 2012..

WHAT!! Everything has been in to them!! We were ready to close!  Anyone have these experiences or guidance would so be helpful!