Only licensed Loan Originators and attorneys can negotiate the terms of a mortgage note.   Any other third parties negotiating on behalf of their client are putting their clients and themselves at serious risk of liability.  Not just at closing but long after the short sale.  Personally, I will not negotiate, I leave it up to the mitigators in our partner law firm.

The annual mortgage insurance premium for all FHA loans will be going up from .90% to 1.15% effective on all FHA case numbers pulled starting April 18, 2011.