I have a HAFA short sale with GMAC. All paperwork has been turned in to qualify the homeowners for HAFA. Today, I received a message from a negotiator telling me that the MI company will not allow HAFA until an offer is received. I've never heard of this. What are your thoughts? Thanks.

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Fannie Mae is investor and Radian is MI. GMAC is saying Radian will not review unless we get offer.

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