Hi folks. I thought this would be a great place to see what responses I get from a great group. Working with a BoA SS, lender is Ginnie Mae. Seems all avenues are closed due to them not participating except trying a traditional route. Quick background....the seller had initially called a spoke with BoA at length and a coop SS was mentioned. When we initiated the process in equator, we went to "document collection". I found out when I tried to touch base with this negotiator through equator, they do not get these messages and the auto reply was to contact them with an alternative number. when I did speak with this assigned negotiator to see what documents he needed, etc, he informed me the investor does not participate in HAFA or coop and to continue with a traditional. The file was closed on equator and a cookie cutter type denial was issued.

A few days later, my seller got a letter from them stating that they offered her a coop but that SHE DENIED it......needless to say this had her irate that they would give such a letter because I kept her informed of what I was told and even shared the first denial letter. :)  Has anyone had similar instances occur? I would think BoA would like to know these idiot 3rd parties they have handle their files are issuing such nonsense under their name. Seller's inclination was to have an attorney look at this. Thanks guys! Look forward to hearing from you. Be blessed and have a great day/weekend!