Working a short sale with Bank of America, well several short sales, we came across some conflicting information on when to make some aggressive changes to the HUD1.  I was told last week that Bank of America has a 1500.00 variance, (wiggle room) at closing.  Then on a different file I was told we would have a chance to adjust the 4497.oo difference in Property tax at closing.  This is where intuition, gut comes in.  I did not want to have my file denied at closing for such a LARGE change in taxes.  Instead of settling for that answer I did ask the file be adjusted immediately instead of after approval.  To me that made more sense then to get an approval and fight for a variance.  When the approval finally comes the last thing Buyers or Sellers want to have to do is hold their breath on something that could have been handled upfront.