Have a first with Wells Fargo and a small $19,000 second with e*Trade.  Client did go thru HAMP and had loan modification but still can't afford the payments.  We started down the HAFA route but I haven't seen anything regarding e*trade taking part in HAFA.  Did talk with the negotiator and she didn't know for sure....  Has anyone here done a HAFA short sale with e*trade (PNC) involved?  I'm thinking this is futile and we should hop on equator and do a regular short sale but client really wants/needs the $3,000 moving money.

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