Hi all, my SS has OCWEN in first and HSBC in second. Seller is current and requested a HAFA SS as she had enough $ to pay another few months. OCWEN after saying she qualifies for a SS being current now says she was denied a HAFA because she is current. i emailed the guidelines to them and pointed out she does qualify because default is eminent. So what do they do? They change the reason for the default. Seller had been under a HAMP modification and they said she did not qualify for HAFA because she defaulted on HAMP. I pointed out last week she is not in default on HAMP so how could she be denied HAFA? Does anyone know if you fallout of HAMP are you automatically denied a HAFA?

They will call me tomorrow to discuss.

Meanwhile, my seller has advised me she can not afford to pay them this month and her husband rented a place yesterday because he wants to be closer to work. How will this effect a ss approval?

I appreciate your thoughts.