Any knows how to get around (or can you get around) when hud /FHA is saying they are not doing short sale and is proceeding with fc because seller payments are 78 months past due? How do you get them to do the short sale?

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You won't get around this unfortunately. I have yet to see or hear of anyone getting around this guideline within the last couple years. The cutoff is 40 months behind to my understanding for FHA loans. I no longer take deals with extreme delinquency for FHA borrowers as they are a no go.

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