I know this market is very frustrating but as others stated it is a voluntary prgram. You just have to put your patient hat on and it will pay off. It seems so many rules have gone by the wayside in this crazy market. You will have more success giving standard sellers a 3 day window to respond then having banks adhere to rules.
I don't need a minimum credit score to qualify you for an FHA loan, but just note that anything under a 580 is very difficult these days. You are welcome to contact me and I will walk you through the process.
Bank of America Home Loans