FHA B of A loan mod

Hi Everyone -

  I have a client who has requested a short sale from B of A (FHA) - per their waterfall they have offered her a Partial Claim, lowered her payment less than $1 and told her she san afford to pay her mortgage.  Surplus they arrived at is less than $300 monthly.  Is there any way to get her to the short sale option?  They do not want to stay in the home and feel if they have any emergency at all they will not be able to afford to pay the mortgage.  Husband is disabled (no longer working) - wife is currently working.

 

Thanks - Sue

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