Home Affordable Foreclosure Alternatives (HAFA)*

 

Hafa-Home affordable Foreclosure Alternatives

In light of the rising number of property foreclosures in the United States,the goverment has expanded the Home Affordable Modification Program(HAMP) to include provisions and incentives for servicers to allow short sales or deeds-in-lieu as positive  options for eligble homeowners in defaut who wish to avoid foreclosures.The new program is called Home Affordable Foreclosure Alternatives(HAFA)

Participation in HAFA cannot save the homeowner from losing his or her property,but can elimitae the effects of a foreclosure on the homeowner's credit.Financial incentives in the program include a $1.000 servicing bonues for lenders and a $1.500.oo relocation bonus for displaced homeowners.HAFA is designed for homeowners who have applied to HAMP for assistance but had no succes with their loan modification program. To participate in HAFA,homeowners must still  meet HAMP's eligibility criteria :

• Principal Residence
• First Mortgage
• The mortgage is delinquent or will be delinquent in the foreseeable future
• The unpaid balance is less than $729.750
• The montly mortgage payment is more than 31% of borrower's gross income.

This program begins on April 5/2010 and  servicers have  until December 31th of this year to opt in  to  the program. However, servicers may opt to begin the program at any time before April 5,2010 as long they can implement a record  keeping system.

The HAFA is Not LAW.The US Treasury rolled out these guidelines to go along with the HAMP program.

We belief in adding  values to our sellers.We are good negotiating short sale.Short sales are more about good negotiating  skills than anything else and programs Like this said "  A realtor from Florida,Nestor and CAterine GAsset,tend to tie our hands in applying our negotation skills"

Headlines and TV news has convinced you there is no way you could possible get what your home is worth in today's world. There are too many cut rate deals out there. You are convinced trying to get the true value for your property is a waste a time.

Good market or bad, I have sold homes just like yours.Time after time the sellers and buyers  have walked away delighted with the deal. Can you imagine selling your house for less than is owed on it and walking away not owing a dime? I am doing it right now, even in these so-called impossible times.

ALL  I WANT TO DO IS LISTEN..........

Tell me what you want to see happen to satisfy your current situation.After listening I will most likely have a few questions. Even thought a lot of others are in the same  boat, each individual situation is different. Once  you have given me a clear picture, I will begin marketing your home to hundreds thousands of buyers from all over , every mont.

Everyday tens of thousands of people looking for homes will see your listing. They will inquire and make offers. All I am asking for is an opportunity to listen to you, your story and what  you want to see happen. No pressure, no pitch. then, Let me go to work for the price  you need for your home. I promise  my best  to achieve your goals.

                                                            Gloria Soria  917-836-1077

Email gloriasoria2003@yahoo.com             Web:  www.gloriasoriarealestate.us

                                                                        www.soriarealestateinfo.us

QUALIFY FOR A SHORT SALE ? ? ?

• Owe more than your house is Worth?
• Can make your mortgage payments?
• Do you want to avoid foreclosure?
• Pay no commission to sale your home?
• Is your mortgage to high
• Want to sell your house but there is not enough equity?Call  me today to find out how to sell your homein a short sales process.

If you want to receive" The short sale seller Guide" please call me at 917-836-1077 and I will  give you soon.

or you can  click here to schedule your free consultation  now by going Here:

http://www.queenshortsalehelpnow.com

If You want to sell your  home before the bank does....Request a free consultation with your local  real estate and foreclosure expert now to discover......

How to sell your home with a short sale before the bank forecloses on it and hits you with a Huge deficiency!

Schedule your free consultation  now by going here:

http://www.avoidforeclosurequeens.com