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Home Affordable Foreclosure Alternative (HAFA)The Home Affordable Foreclosure Alternatives (HAFA) Program is a government-sponsored initiative overseen by the US Treasury Department and administered by Fannie Mae assisting all Home Affordable Modification Program (HAMP)-eligible homeowners in avoiding foreclosure, specifically through short sales or deeds-in-lieu of foreclosure. View the following video.ARE YOU UPSIDE DOWN ON YOUR MORTGAGE?We can help you avoid foreclosure. You have options, and need to know all of them, because some are better than others. http://www.ShortSaleSolutionsExpert.com For example, if you have a security clearance, or may one day be required to obtain one for a job, having a foreclosure on your credit record can be as serious as having a felony. Another thing to know is that, while filing bankruptcy may delay a foreclosure, it won't prevent one. This is why a successful short sale is the best outcome for a homeowner who is upside-down on a property whose value has been downgraded by a correcting market. If you've lost your job, are going through a divorce, or have an unexpected medical situation, these conditions of life can be overwhelming, especially when the market has shifted and you owe more on your property than its current market value. But you still have choices and you can still influence the outcome. You just need the advice and guidance of a Realtor® who's dedicated to your cause. Both of us are trained as a Certified Short Sale Specialist™ and Certified Pre-Foreclosure Specialist™. Doug is also a Certified Distressed Property Expert (CDPE). We'll help you either keep your home or sell it as a short sale. Above all, we want to help you avoid a foreclosure. It doesn't cost anything for you to talk to us. Our consultations are free and informative. What's important to us is your peace of mind and getting you and your family on the best road to financial recovery. For more information, visit: http://www.ShortSaleSolutionsExpert.com Give us a call at 800.498.6707. Your friends in real estate, Doug Ranger & Patty Nottoli
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