... One thing about SPS ... everytime forms are sent in, every time a phone call is made, the borrower will receive a letter stating that SPS is working on the short sale ... if they have not applied for the HAFA short sale program, be sure to apply for that, using the HAFA application, they accept it, plus there is a new form called "Dodd-Frank Certification", borrower must check off that they have not been convicted of any felonies, money laundering or tax evasion in the past ten years. And of course, sign.
Other thing ... collection calls to the borrower will continue on a weekly basis, they will try to collect, tell them their loan is being sent to an outside collection agency and that they must pay up to date. My borrower tells them each time, each week (sometimes twice a week), that they are going through the short sale program and a contract has been received and the short sale department is reviewing for approval.