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Home | Why Short Sales Work | HAFA | Foreclosure & Judicial vs. Non-Judicial States | Short Sale Lenders List

Home Affordable Foreclosure Alternatives (HAFA) Program

Not all Short Sales fall under HAFA; in fact most Short Sales are not HAFA Short Sales. HAFA is just one of many Short Sale Programs.

Owner occupied homeowners who feel they cannot afford their mortgage, but want to circumvent foreclosure and it's negative effects can apply for a Short Sale under HAFA. HAFA the Home Affordable Foreclosure Alternatives Program provides homeowners, mortgage companies, and buyers with an incentive for engaging in a Short Sale. With this program a homeowners sell their home and move to more affordable housing and get out from the mountain of mortgage debt they are under.

HAFA is available to debtors who are not eligible for the government's Home Affordable Modification Program (HAMP), don't qualify for a trial mortgage modification under the Making Home Affordable Program; do not successfully complete the trial period for their modification; miss at least two consecutive payments during their modification period or simply request a short sale.

If you answer no to any of these questions you are not eligible for HAMP but you may be eligible to do a Short Sale under HAFA.

1) Is the house an owner occupied Primary Residence?

2) Is the first mortgage loan amount less than or equal to $729,750.

3) Are you having trouble paying your mortgage because the mortgage was adjustable and rose or your income fell?

4) Did you take out your mortgage before 01/01/2009

5) Is your payment with principle, interest, taxes, insurance, and homeowner's association dues more than 31% of your gross income?

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