Any feedback? From what I understand and as of HAFA updates published by NAR on 03/16/2011, FHA loans are not eligible for HAFA because FHA has their own process for short sales? This is situation, homeowners are 3 on title and only 2 are ready, able, & willing to proceed but the 3rd is incognito. Plus they have FHA financing on first with BofA former CW loan and there is a 2nd that was also CW and now owned by BofNY Mellon, serviced by GreenTree and both loans recorded NTS. The first postponed sale for 2.5 months but 2nd is harder to contact. Without HAFA as incentive for 2nd's cooperation, does this mean I should throw in the towel? I really feel bad for this family because they are honest and sincere dnd were initially victims of fraud the first time they tried to short sale because the Realtor forged one of their signatures and homeowner caught it one day. That is why the 3rd homeowner is Infiniti because she is still fuming and blaming the other 2 homeowners for making recommendation to use that agent. However, other members in their family are confident shell cooperate once I can prove myself with the full listing package and presentation ready for submission to lender. It will make it more real then because the other agent, they say, didn't make any of the disclosures I have made, nor give them as much papers to sign as I have already. But without HAFA protections will it be a waste of my time trying to negotiate with FHA lenders at this late date?