Comment
Melissa,
yes, FHA has there own process for short sales and it would apply. Join the FHA group and go through the PFS guidelines that can be found there. They will offer money to the second, that is not unique to HAFA. They may also give the seller's an incentive for completing a short sale ($1000-$750 total, not per owner).
As for the third seller, if they won't sign the listing agreement, you really can't do anything. That third owner's permission is critical, pass if you can't get them on board. (imho)
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