So B of A has a good site to answer questions and concerns and foreclosure alternatives, it is, http://homeloanhelp.bankofamerica.com/en/home-affordable-foreclosure.html. Fannie and Freddie are now on board with HAFA they roll it out 8/1/10 but some servicers may allow for approvals now, it is a great tool in short sales and should make dealing with the banks and the 2nds a bit more straightforward.
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