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*** Maggy Hyun 부동산 정보마당 ***



우리 주위의 많은 분들이 직장을 잃어나 또는 다른 여러가지 뜻하지 않았던 이유로 몰게지 페이먼트를 낼수없는 상황에 처한분들이 많이 있읍니다. 이런분들을 돕고자, 지난 4/2010 에 오바마 정부는 HAFA Program 을 내 놓았읍니다. 이 프로그램은 최악의 차압, Foreclosure 을 막고자 만들어진 것으로서, 기존의 Short Sale 과는 조금 다른게, 어려움에 처한 분들에게 HAFA Short Sale 을 통해서 집을 정리할 경우 나머지 금액에 대해서는 탄감을 해주는 형식이며, 기간도 기존의 Traditional Short Sale 보다는 훨씬 더 짧읍니다. 그리고 이사비용도 개 개인에 따라서 조금 다를수 있으나, up to $3,000 까지 보조해 줍니다.

물론 이 해택을 받으실수 있는 자격이 되시는지는 위의 Eligibility 를 참고하세요.
그리고 본인의 은행이 HAFA PROGRAM 을 받아들여 참여하고 있는지 먼저 확인을 해야합니다.
지난 4/2010 부터 시작이 되었기 때문에, 아직 참여하지 않고 있을 은행들도 이을수 있읍니다.
이또한 위의 website 에서 알아볼수 있읍니다.

알아보시고, 또 좀더 자세하게 알아보시기를 원하시면, maggyhyun@yahoo.com 로
연락주시면 성의것 도와드리겠읍니다.

조금이나마 도움이 되시기를 바랍니다.


Maggy Hyun, 매기 현 부동산, 408-394-8979
maggyhyun@yahoo.com
Realtor
DRE Lic# 01341033
Serving Santa Clara County since 2002



*** HAFA can help homeowners in trouble ***

Get Help from Government Program:

HAFA, Home Affordable Foreclosure Alternatives

Home owners, who have a difficulty to maintain the mortgage payment due to the hardship, can qualify the government provided HAFA Short Sale program.

IT CAN TAKE SHORTER THAN TRADITIONAL SHORT SALE AND

BEST OF ALL, THE LENDER WILL NOT ASK YOU TO PAY THE DIFFERENCE!!!

Check this government site for more info:
http://makinghomeaffordable.gov/hafa.html

You should take advantage of this help.

If you need help for more detail explanation, you can always contact me for FREE Consultation. I won't charge you a penny.

I will be happy to sit down with you for an hour to review if you are eligible, and the process.


What is HAFA?

HAFA is a government-subsidized Home Affordable Foreclosure Alternatives program for distressed homeowners to sell their homes to avoid foreclosure,
even if the sales price is not enough to pay off their existing mortgage loans. Under HAFA, a participating lender will pre-approve the terms of a short sale
and give the borrower at least 4 months to market and sell the property using a licensed real estate professional.


Eligibility :

The eligibility requirements for a HAFA short sale include the following:

• Property must be borrower’s principal residence;

• Loan must be a first trust deed originated before 2009;

• Loan must be delinquent or default must be reasonably foreseeable;

• Current unpaid principal balance must be $729,750 or less for single-family home (or higher amounts for 2-to-4 units); and

• Borrower must be eligible for, but unable to complete, a loan modification under the Home Affordable Modification Program (HAMP).


Financial Incentives:

The government incentives under HAFA are as follows:

• $3,000 to borrower for relocation expenses;

• $1,500 to servicer for each successful short sale; and

• $1 reimbursement to investor for every $3 paid to extinguish junior liens, up to $2,000 maximum, and not to exceed 6% of unpaid balance.


I hope this information helps you and your friends and families.

Good Luck!!!

ps. Share this information with your friends or families who is facing a difficult time with paying mortgages. So many people around me in this community and all over the country experience the same.