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The Services of Our Short Sale Experts Are Totally FREE to You -- Our Full Time Licensed Professionals Are Paid By The Bank!
91% Short Sale Success Rate!|
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HAFA - Our Goal Is To Help Every Homeowner We Work With Take Advantage Of This Govt Program!
Home Affordable Foreclosure Alternatives Program -
If your mortgage payment is unaffordable and you are interested in transitioning to more affordable housing, you may be eligible for a short sale or deed-in-lieu of foreclosure through HAFA. The benefit of a HAFA short sale is that you are no longer responsible for the difference between what you owe on your mortgage and the amount that your home sells for. You will also receive $3,000 in relocation assistance upon successful closing of your short saleIn a short sale, the servicer allows you to list and sell the mortgaged property with the understanding that the net proceeds from the sale may be less than the total amount due on the first mortgage, or deed-in-lieu of foreclosureWith a deed-in-lieu of foreclosure, you voluntarily transfer ownership of your property to the servicer— provided the title is free and clear of mortgages, liens, and encumbrances. Generally, if you make a good faith effort to sell your property but are not successful, a servicer may consider a deed-in-lieu of foreclosure.
Eligibility*
You may be eligible to apply if you meet all of the following:
- You live in the home or have lived there in the last 12 months.
- You have a documented financial hardship.
- You have not purchased a new house within the last 12 months.
- Your first mortgage is less than $729,750.
- You obtained your mortgage on or before January 1, 2009.
- You must not have been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction.
*Eligibility criteria are for guidance only. Contact your mortgage servicer to see if you qualify for HAFA.
Program Availability
HAFA is available for mortgages that are owned or guaranteed by Fannie Mae and Freddie Mac or serviced by over 100 HAMP participating servicers. A list of HAMP participating servicers can be found here .
Program Dates
Effective April 5, 2010 – Dec. 31, 2012.
The most experienced Short Sale Team in Central Indiana. We Have Successfully Helped Hundreds of People in Your Area Avoid Foreclosure!!
This process is very difficult...
But we are there every step of the way
Some of the banks we have negotiated with are:
And many many more!
We are Certified Short Sale Experts by ALL Major Designations
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We Also Assist Buyers of Short Sale Properties |
Our Persistence Will Stop Your Foreclosure!
The fact is lenders are currently swamped with requests for loan workouts and short-sale proposals. Many lenders are understaffed and/or operating with newly trained personnel who each may be expected to handle hundreds of cases at a time. In this environment, even a small oversight or glitch in the process could cause your short-sale request to end up in the reject pile or on the back burner.
We accomplish the following to insure success of your short sale
-Establish contact and a good working relationship with your lender's representative or negotiator.
-Submit all required documentation at one time to your lender's representative/negotiator and quickly follow-up on any additional requests for information.
-Prove to your lender that your situation qualifies for a short-sale approval.
-Prove that your home is being sold for what it is worth in the current market.
-Keep all parties -- you, your buyer and your lender -- informed and up-to-date on the status of your home sale.
We have established relationships with many banks. Bank of America, Wells Fargo, Countrywide, National City, PNC, GMAC, Wachovia, Forum Credit Union, Chase, Citibank and Washington Mutual are the banks we have most commonly dealt with. Our relationships with these banks allows for a speedy and efficient short sale process. We continually make the process as smooth as possible.
So whether you're buying or selling, feel free to Contact Us and we will be happy to help you with all your real estate needs. We are an experienced team of real estate professionals whom specialize in preventing foreclosures. Our short sale success rate is unrivaled. Wouldn't you want the best short sale experts in central Indiana on your team? Let us deal with the intimidating banks!
Thank You for visiting Indy Home Help where our number one priority it to help indianapolis home owners prevent foreclosure!
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