Home Affordable Foreclosure Alternatives Program. H A F A

Many homeowners may feel that they can no longer afford their home, but want to avoid the negative effects of foreclosure. The Home Affordable Foreclosure Alternatives (HAFA) Program offers homeowners, their mortgage servicers, and investors an incentive for completing a short sale or deed-in-lieu of foreclosure. With these options, under HAFA, a homeowner leaves their home to transition to more affordable housing and alleviate the mortgage debt they owe.

These options are available for homeowners who: 1. do not qualify for a trial mortgage modification under the Making Home Affordable Program; 2. do not successfully complete the trial period for their modification; 3. miss at least two consecutive payments during their modification period; or 4. request a short sale or deed-in-lieu of foreclosure.

* fields are mandatory

*	1. Is your home your primary residence?	YES  NO
*	2. Is the amount you owe on your first mortgage equal to or less than $729,750?	YES  NO
*	3. Are you having trouble paying your mortgage? For example, have you had a significant increase in your mortgage payment OR reduction in your income since you got your current loan OR have you suffered a hardship that has increased your expenses (like medical bills)?	YES  NO
*	4. Did you get your current mortgage before January 1, 2009?	YES  NO
*	5. Is your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner's association dues, if applicable) more than 31% of your current gross income?	YES  NO  NOT SURE
*	6. Do you have a loan owned or guaranteed by Fannie Mae or Freddie Mac?	YES  NO  NOT SURE
*	7. Are you current on your mortgage payments? Current means that you havent been more than 30-days late on your mortgage payment in the last 12 months.	YES  NO
*	Name	First Last
*	Phone	- (###)  - ### ####
*	Email
	Security Code
	Enter the code as displayed