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AHMSI can be really difficult to deal with. I don't have any magic numbers and previous attempts to escalate anything went into a black hole. Others may have a different opinion, but I believe the fact that the client failed to return HAFA paperwork does exclude them from participating because I don't believe this is dictated by AHMSI. It is one the Making Home Affordable requirements.Once you are offered the HAFA program, if you don't accept (and not turning in the paperwork means you didn't accept) it isn't offered a second time.
As to the $50K cash at closing - a demand for cash almost always comes from either the MI company or the investor because they feel the borrower can afford it. You and your client can disagree, but based on the financials they have (tax returns, bank statements, 401K statements, etc) they have the impression that there is money to be had. You would have to disprove this in order to get them to retract it. That said, I have seen cases where an MI company will not back down from a cash contribution.
Good luck with it.
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