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      • Home Affordable Foreclosure Alternative Program
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Home Affordable Foreclosure Alternative Program ( HAFA )

The HAFA program expired December 31, 2016.
In 2009 the government implemented the Making Home Affordable Program to address the real estate recession and the need to help homeowners deal with their real estate loans. Its primary components are loan modification (Home Affordable Modification Program known as HAMP and foreclosure alternatives (Home Affordable Foreclosure Alternatives known as HAFA). HAFA® provides homeowners the opportunity to exit their homes and be relieved of the remaining mortgage debt through a short sale. It also provides homeowners or their tenants with up to $10,000 in relocation assistance. Through HAFA, you can short sell your primary residence or rental property. Once you complete a HAFA short sale, there is a waiver of deficiency, meaning you are released from any remaining mortgage debt.
You may be eligible for HAFA if you meet the following basic criteria:
· You are struggling to make your mortgage payments due to financial hardship.
· You are delinquent or in danger of falling behind on your mortgage.
· You obtained your mortgage on or before January 1, 2009.
· Your property has not been condemned.
· You owe up to $729,750 on your primary residence or one-to-four unit rental property (loan limits are higher for two- to four-unit properties).

ABOUT SHORT SALES...>>>>>

For more information, Contact Robert McArtor, Team Leader with Maryland Homes Team of RE/MAX Components at 
​[email protected]

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