The HAFA program, complements HAMP by providing a viable alternative for borrowers  who are HAMP eligible but can not qualify and are  unable to keep their home.
It uses borrower financial and hardship information already collected under HAMP.
One of the most important steps for your Realtor  is that allows borrowers to receive pre-approved short sales terms before listing the property (including the minimum acceptable net proceeds and acceptable closing costs).


The biggest benefit to you as a homeowner is that borrowers to be fully released from future liability for the first mortgage debt and, if the subordinate lien holders receives an incentive under HAFA, those debt as well will not seek a deficiency against the homeowner. 



PST. . securedownload

It also provides financial incentives: $3,000 for borrower relocation assistance!!!!!

In a short sale with HAFA you SELL YOUR HOUSE and you owe the lender nothing!

In a Foreclosure.YOU LOSE IT ! and get a deficiency judgment filed against you*

short sales maryland

Click on my eBook about Short Sales.. .to have a clearer vision if you could use a SHORT SALE in order to begin  a new fresh start.. .you must have a hardship to qualify.

Fernando Herboso is a Certified Distressed Property Expert 

Short Sales Maryland
and a Gold Member Certified Default Resolution SpecialistTM with (CDRS)

short sales specialist
You can call  (Fernando Herboso) directly  @  301-246-0001 or email :

We can help you directly in Maryland, DC or Virginia

If outside our area. ..we can guide you to a local true professional that cares and  loves helping people avoid

foreclosure as much as we do!

Just give me a call or email  to

More about short sales in Maryland using the HAFA Program


* Depending in the state you live in. . in Maryland the lender will file a petition to the court for a deficiency judgment against the homeowner.


Short Sales Maryland , DC and Virginia