• Problem One

    No short sale specfic credit code

  • Problem Two

    Lender requirement of delinquincy

  • Problem Three

    Eligible hardships neglected

  • Problem Four

    HARP 2.0 being capped by lenders

  • Problem Five

    No refinancing for non-Fannie Mae/Freddie Mac underwater conventional portfolio loans

  • Problem Six

    Ex-spouses, widows, & windowers willed or deeded a home cannot refinance if they are not on the note

  • Problem Seven

    Improper qualifying of short sale applicants

  • Problem Eight

    Requirement of disaster repair before short sale