I just acquired a new listing yesterday and my client would like to see if she qualifies for HAFA. She had a loan mod where they reduced her payment for 2 years. Her husband passed away in 2010 and AHMSI has since reverted back to the old payment she had prior to the trial mod. She can't afford the home and is unemployed. I have never done a HAFA short sale before. Should I submit a package prior…