Ok interesting discussion with them today. Have client submitted for hafa about a week ago, followed up today to make sure they had everything. They stated they were missing two things for hafa review, a purchase contract and a hud. After i explained to them the idea of hafa was to get qualified before they informed me the way hafa works is we need an offer first, after all how do they know if the offer will be good enought :/

SO after telling them they may want to read the hafa guidelines so they could understand how hafa worked (ok maybe i wasnt that nice) I hung up, waited 5 mintues and called back. I got a new person and asked for an update and they said (see above)

What the?!?!

OK anyone seen this, obviously they do not understand how hafa works, how can the whole company have wrong information?