New Changes with HAFA to Help Prevent Foreclosure

by qnicholasc 6. April 2012 08:34

 

There have been some great new changes to the government programs HAMP and HAFA. The Home Affordable Foreclosure Alternatives (HAFA) Program provides additional options to avoid costly foreclosures and offers incentives to borrowers, servicers and investors who utilize a short sale or deed-in-lieu (DIL) to avoid foreclosures. This program has allowed many homeowners to short sale their home rather than foreclose. This program has offered full release of any deficiency judgment and provided seller incentives (money) to complete the short sale.

 

Most recently they issued a supplemental directive with the following changes:

 

They are no longer occupancy requirements to be eligible.

 

They have increased the amount a servicer may authorize to pay any subordinate mortgage holder up to $8,500 in exchange for lien release and full release of borrower liability.

 

Mortgage holders can now report to credit bureaus in two ways: 1. Paid or closed account/zero balance. 2. Account paid in full/a foreclosure was started.

 

They have also extended the deadline for this program till the end of 2013.

 

Although they have extended this deadline there is no news in regards to the Debt Forgiveness Act being extended. HAFA releases you from your mortgage company pursuing any deficiency where as the Debt Forgiveness Act releases you from IRS ramifications, as they see the deficiency as earned income. This could leave many homeowners owing the IRS a substantial amount of money if they do not act quickly and the Act is not extended.

 

If you are facing foreclosure or have thought about short selling your home please contact us TODAY so that we can give you all the alternatives. There are many companies popping up charging money for this FREE service and many more portraying themselves as experts with little or no experience.

 

We have closed 100's of short sales and specialize in HAFA with a 100% success rate. Many can say it but we can prove it.

 

Call us today for a confidential consultation. 702-800-5744

 

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