finally spoke with someone at SPS who knew what she was talking about.  She said a deceased person doesn't and wouldn't qualify for HAFA.  I would just have to have the PR, Executor or POA to sign the Hardship affidavit.  The bank still does a BPO and credit check -good luck with the credit check!  At least the issue has been resolved.

I have bank (SPS) that absolutely will not move forward unless the PR signs the HAFA hardship affidavit.  I told them that since the borrower is dead, he wouldn't qualify for HAFA. They don't care.  The Hardship aff states that the borrower is requesting to be reviewed for MHA. Are they allowed to do this??