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Home Affordable Foreclosure Alternatives (HAFA)
A Quick Overview
  • Does not take effect until April 5, 2010
  • Pertains to 1st Lien Non-GSE Mortgages
  • Utilizes borrower’s financial information through HAMP
  • Financial incentives provided to borrowers, servicers and investors
  • Sets limits on lender response time
  • Lender forfeits ability to pursue deficiency judgment
  • Caps claims of subordinate lenders
Loan is eligible if all of the following conditions are met:
  • Property is borrower’s principal residence
  • Loan is a 1st lien mortgage
  • Originated before Jan 1, 2009
  • Mortgage is delinquent or default is reasonably foreseeable
  • Current unpaid balance is equal to or less than $729,750
  • Borrower’s total monthly mortgage payment exceeds 31% of borrower’s gross income
  • $3,000 to Borrowers for relocation costs
  • Will be deducted from gross sale proceeds at closing
  • $1,000 to Servicers for administration and processing fees
  • Servicer may not charge borrower any processing fees and MUST pay all out-of-pocket expenses
  • $1,000 to Investors for subordinate lien holder payoff
  • For every three dollars spent to release liens, buyer or investor is reimbursed one dollar – capped at $3,000

Process & Timelines

  • Please contact us for a detailed outline of how the HAFA program works specifically for your mortgage lender and your situation.


Some Potential Benefits Of A Our Short Sale Program:

  • Experienced Realtor Representation
  • Attorney Negotiations & Representation
  • FREE-Absolutely No Fees Or Cost To You
  • Mortgage Debt Relief
  • Credit Restoration
  • Avoid Foreclosure
  • Get Cash Back From Bank
  • Back Taxes Can Be Eliminated 
  • Stay In Your Home Longer & Choose A Move Out Date
  • Free Moving Truck
  • Free Rental Placement Service



text message to 949-279-1644 

For A Private Consultation To Review The HAFA Program & The Short Sale Process 


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Upside Down?
Struggling With Payments?

Loan Modification Unsuccessful? Facing Foreclosure?

Contact Us Today To Learn If A Short Sale Is Right For You And Your Family!


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Orange County Short Sale Agents and Realtors offering assistance in the following areas:

San Clemente, Talega, San Juan Capistrano, Dana Point, Capistrano Beach, Laguna Beach, Newport Beach, Newport Coast, Corona Del Mar, Huntington Beach, Fountain Valley, Costa Mesa, Orange, Irvine, Tustin, Foothill Ranch, Lake Forest, Portola Hills, Laguna Hills, Laguna Niguel, Aliso Viejo, Mission Viejo, Ladera Ranch, Rancho Santa Margarita, Foothill Ranch, Coto De Caza, Dove Canyon, Trabuco Canyon & Las Flores

Privacy Policy: Your information will never be shared with any third party and will only be used in discussing your situation and how we can offer assistance with your mortgage relief options. At anytime, you can request to edit or remove your personal information and opt out of any future correspondence by sending an email to

Helping Stabilize Property Values One Homeowner At A Time

Orange County short sale realtors offering homeowners expert short sale information and short sale assistance with a San Clemente short sale, Talega short sale, San Juan Capistrano short sale, Dana Point short sale, Capistrano Beach short sale, Laguna Beach short sale, Newport Beach short sale, Newport Coast short sale, Corona Del Mar short sale, Huntington Beach short sale, Fountain Valley short sale, Costa Mesa short sale, Orange short sale, Irvine short sale, Tustin short sale, Foothill Ranch short sale, Lake Forest short sale, Laguna Hills short sale, Laguna Niguel short sale, Aliso Viejo short sale, Mission Viejo short sale, Ladera Ranch short sale, Rancho Santa Margarita short sale, Foothill Ranch short sale, Portola Hills short sale, Coto De Caza short sale, Dove Canyon short sale, Trabuco Canyon short sale & Las Flores short sale

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Disclaimer: The information provided on this website should not be constituted as legal advice. The content is intended to provide general information about the short sale and foreclosure processes, and should not be acted upon without the counsel of a qualified REALTOR®, attorney, and tax expert.