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If you can't afford your mortgage payment and it's time for you to transition to more affordable housing, the Home Affordable Foreclosure Alternatives (HAFA) program is designed for you. HAFA provides two options for transitioning out of your mortgage: a short sale or a Deed-in-Lieu (DIL) of foreclosure.

What in the world is HAFA? [video] tinyurl.com/6pgbff2, HAFA short sale completely releases you from your mortgage debt.This means you will no longer be responsible for the amount that falls "short" of the amount you still owe.The deficiency is guaranteed to be waived by the servicer. In a HAFA short sale, your mortgage company works with you to determine an acceptable sale price. HAFA has a less negative effect on your credit score than foreclosure. Receive $3,000 incentive at closing.

Fannie Mae & Freddie Mac both participate in HAFA. If you are a short sale seller and you qualify for the HAFA program, you will get relocation assistance (cash at closing) as well as other benefits of the Home Affordable Foreclosure Alternatives Program. Is your mortgage owned by Fannie Mae or Freddie Mac? To find out, and to discuss your options if you are upside down in your mortgage, contact Wholesale Direct Real Estate (WDRE California) at www.wdrecaliforni...