Short Sale Expert

So what is a short sale?

Reading this is an important step towards putting your overwhelming mortgage debt and mortgage payments behind you.

You are in a situation you never dreamed of:

  • You owe more than the house is worth
  • Struggling with mortgage payments
  • Facing foreclosure
  • Don’t know what to ask, who to ask, who to believe.
  • You are under stress you do not deserve and wondering what is the best way out.

Everyone you ask has a different answer; Friends, family, lawyers, Realtors, the internet.  Your lender is calling you and sending you letters.

The short sale process can take from 90 to 180 days from start to finish once you have made that decision.

Here is our promise to you:

  • We will answer all your questions so you will have a clear picture of what will happen as we go into the short sale process.
  • We will not rush you through anything. We will earn your confidence by explaining all the details.

If we have the privilege of helping you through your mortgage challenges you will find that we are:  friendly, trustworthy, compassionate as well as knowledgeable with this type of challenge.

We have helped many homeowners sell their house with dignity rather than lose it to foreclosure.  We have negotiated with banks  and lenders through out the nation to forgive, in writing, large amounts of debt so you can to move forward in life.

So if you wish to have peace of mind, stability and balance back in your life give us a call at 517-977-1194.


Home Affordable Foreclosure Alternatives (HAFA) Program

Page Content

If you can’t afford your mortgage payment and it’s time for you to transition to more affordable housing, the Home Affordable Foreclosure AlternativesSM (HAFA) program is designed for you. HAFA provides two options for transitioning out of your mortgage: a short sale or a Deed-in-Lieu (DIL) of foreclosure. In a short sale, the mortgage company lets you sell your house for an amount that falls “short” of the amount you still owe. In a DIL, the mortgage company lets you give the title back, transferring ownership back to them.

In either case, HAFA offers benefits that make the transition as favorable as possible:

  • You can get free advice from HUD-approved housing counselors and licensed real estate professionals.
  • Unlike conventional short sales, a HAFA short sale completely releases you from your mortgage debt after selling the property. This means you will no longer be responsible for the amount that falls “short” of the amount you still owe. The deficiency is guaranteed to be waived by the servicer.
  • In a HAFA short sale, your mortgage company works with you to determine an acceptable sale price.
  • HAFA has a less negative effect on your credit score than foreclosure or conventional short sales.
  • When you close, HAFA may provide $3,000 in relocation assistance.


You may be eligible for HAFA if you meet all of the following criteria:

  • 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, 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.


HAFASM is available for mortgages that are owned or
guaranteed by Fannie Mae and Freddie Mac or serviced by over 100 HAMPSMparticipating
mortgage servicers

You can find out if Fannie Mae or Freddie Mac owns your loan directly by clicking on the links below.

1-800-7FANNIE (8am to   8pm EST)
1-800-FREDDIE (8am to   8pm EST)




The sooner you seek help, the more options you’ll have. If this is the first time you’ve worked with your mortgage company, they will want to ensure that you have been considered for other options to keep your home before they move forward with HAFA. When it’s time for HAFA, be prepared to provide the following:

Request for Mortgage Assistance (RMA)

If you’ve already received an offer, be prepared to submit these additional forms:

  • Alternative Request for Approval of Short Sale (Alternative RASS)
  • Executed sales contract


If you have additional questions about getting mortgage help, contact one of our
housing experts at 888-995-HOPE (4673). These HUD-approved housing
will help you understand your options, design a plan to suit your
individual situation, and prepare your application. Research shows that
homeowners who work with housing experts like these are more successful and have
better long-term outcomes. There is no cost to you for this valuable,
around-the-clock service. Help is available in more than 160 languages.