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Monthly gross income requirement: Previously, the loan servicer for the bank needed to verify the borrower's income (let's pretend they were looking at the for reasons other than why to deny the file). Also, another financial requirement was that your mortgage payment had to be greater than 31% of the monthly income or you were rejected from HAFA. The guidelines remove this adequately. However, the banks still see your income, know your payment and are free of charge to reject your document. But if you are denied a HAFA short sale, you will feel better knowing you had a chance, even though your payment was considerable distance though.9% of your monthly income.
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