HAFA Homes Affordable Foreclosure Alternative Information

HAFA or Home Affordable Foreclosure Alternatives Program

Do You Qualify?

The Home Affordable Foreclosure Alternatives (HAFA) Program is the governments program to help homeowners avoid foreclosure.

HAFA gives incentives to lenders and $3000 to homeowners to allow and complete a short sale or deed-in-lieu of foreclosure.

Use the tool below to determine your eligibility:

Section 1 HAFA Questionaire

Is your loan owned or guaranteed by Fannie Mae or Freddie Mac?

Is the property your principle residence?

Is the Mortgage a first mortgage that closed before Jan 1 2009?

Have you missed payments or will you soon miss a payment?

Is your current unpaid balance less then $729,751?

Do your total monthy mortgage payments exceed 31% of your gross income?

Section 3 Borrower Information

Main Mortgage Borrower Name:
Home Phone Number:
Email Address:
Mortgage Property Address:
City State, Zip Code

Please press only once.

HAFA Homes Affordable Foreclosure Alternative

Protect Yourself from Short Sale and HAFA Scams

There are many people out there trying to scam homeowners by requesting up-front fees for HAFA short sales.
This is fraud. A CDPE-designated agent will never ask you for money.

MakingHomeAffordable.gov (MHA) provides the following guidelines:

1. Beware of anyone who asks you to pay a fee in exchange for counseling service or modification of a delinquent loan.

2. Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes.

3. Beware of people who pressure you to sign papers immediately, or who try to convince you that they can "save" your home if you sign paperwork or transfer over the deed to your house.

4. Never make a mortgage payment to anyone other than your mortgage company without their approval.

5. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.

Foreclosure Information

Joe Niece is the number one home seller of pre-existing homes the 11 county metro area. The Niece Team was the number one partner in all of Minnesota in 2003. Joe Niece was the number one agent for REMAX in 2006, 2007 and 2008.

Joe Niece was the number one buyers agent in Minnesota in 2003, 2006, 2007 and 2008. If you want an agent that will help you find a buyer for your home, call him at 612-305-8487.

If you are a buyer and would like someone that is an expert to help you buy a home, call Joe Niece at 612-305-8487.

Are you facing foreclosure in Minnesota? If you need a Minnesota short sale expert or you are thinking about a Mn short sale and do not know what to do, the site offer tips on the short sale and foreclosure process, short sales in Minneapolis, mls short sales, short sale mortgage information and the most current up to date short sale 2009 information.

It does not matter if you are selling Eden Prairie Real Estate or Minneapolis Real Estate, all Minnesota real estate falls under similar foreclosure and redemption laws. The worst thing you can do is let your Minnesota home go into foreclosure. A Mn short sale will allow you to sell your Minnesota have as a short sale before you have a Mn foreclosure that will be on your record for 10 years.

Search every listing of every home for sale though we can no longer use the phrase search MLS because the RMLS initiated a Rule that prohibited the use of the term MLS. So every place that used to say search the MLS now says search Listing Search.