When a homeowner is faced with loosing their home or selling it as a short sale – the decisions are difficult and time consuming. Often the hoop jumping to work with the bank becomes a second job. If the loan modification didn’t pan out and the mortgage payments will overwhelm the family – selling the home may be the best course of action. Foreclosure is the last thing anyone wants to face. And as a Realtor, the last thing I want to see happen to anyone.
The best course of action is to contact the bank and inform them of the situation immediately. That’s where the HAFA program (Home Affordable Foreclosure Alternative) comes in. HAFA was created to streamline the process and get the homeowner out of the home with provisions to assist them with the sale and conditions to protect them afterwards.
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