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Problem One No short sale specfic credit code
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Problem Two Lender requirement of delinquincy
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Problem Three Eligible hardships neglected
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Problem Four HARP 2.0 being capped by lenders
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Problem Five No refinancing for non-Fannie Mae/Freddie Mac underwater conventional portfolio loans
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Problem Six Ex-spouses, widows, & windowers willed or deeded a home cannot refinance if they are not on the note
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Problem Seven Improper qualifying of short sale applicants
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Problem Eight Requirement of disaster repair before short sale