URGENT ALERT!!

Only 2% of loan mods are being approved!!

Home Affordable Foreclosure Alternatives Program (HAFA)

Q: What is HAFA?

A: HAFA, which will help homeowners who are unable to retain their home under the Home Affordable Modification Program (HAMP), provides possible monetary incentives to homeowners in connection with short sales and deeds-in-lieu of foreclosure.

Q: I am already in the process for a loan modification, why would I participate in HAFA for a Short Sale or Deed in Lieu?

A: So far, it looks as though only 2% of the loan modification applications are being approved (with and without HAMP). This means that homeowners are in a potentially worse situation than before the loan modification.

Q: Who is eligible for HAFA?

A: Loan Servicers must consider HAMP-eligible borrowers for HAFA within 30 days after the borrower does at least one of the following:

• Does not qualify for a HAMP trial period plan
• Does not successfully complete a HAMP trial period plan
• Is delinquent on a HAMP modification (misses at least 2 consecutive payments)
• Requests a short sale or DIL

Q: Do I have to start over with all of the financial information?

A: Not necessarily. HAFA can use the same documentation that was collected for the loan modification.

Q: Is the lender going to come after me for the deficit?

A: Lenders who are participating in the HAFA program must waive rights to seek deficiency judgments and may not require a promissory note for any deficiency. Rules also apply to participating junior lien holders.

Q: What do I need to do?

A: Call a qualified Realtor to help you through the process.

Brian L. Thomas and his team are licensed, certified and very experienced in distressed real estate situations.

CALL NOW! You can't afford to wait!

720-934-4745

I'll Sell Your Home in 29 Days or Less At YOUR Price or
I'll pay you 1%!!

• 50% of homes for sale do NOT sell in the first listing period.
• The average time on the market for a home right now is over 90 days.
• My average since January 1 is less than 14 days on the market receiving offers up to 15% over asking price!

In today's Colorado real estate market, finding the right real estate agent representation is critical. With real estate expertise for both home buyers and sellers in Parker, Castle Rock, Lone Tree, Highlands Ranch and Franktown and all surrounding Denver metropoitan areas, you've found the right source for all of your real estate needs. Whether you are looking for a new home or property South of Denver or you are in the preliminary stages of the real estate search, I can help. I specialize in real estate South of Denver as well as real estate buying and selling services for all major communities in the South of Denver metro area including Parker, Castle Rock, Lone Tree, Highlands Ranch and Franktown. I like the South end of Denver because I live down here, however, I sell Real Estate all over the Denver Metro area including Aurora, Centennial, Littleton, Englewood, Greenwood Village and Denver.

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