If you are in a Destin, Santa Rosa Beach or Navarre Florida short sale situation, you may have heard of HAFA, Home Affordable Foreclosure Alternatives. If you qualify for this federal program, you may get waiver of deficiency, $3000 relocation fees and up to $6000 to pay off any junior mortgage lien. The paperwork to get approved is not slight, but it might be worth it!
What is the paperwork required for HAFA?
–Hardship Affidavit explaining your situation
-Utility bill (gas, water, electric, etc)
–Frank-Dodd Certification form acknowledging you have not been convicted of mortgage or real estate related crimes in the last ten years (including theft, fraud, larceny, forgery, money laundering, tax evasion)
-Your most recent tax returns with all schedules
-Last two paystubs or proof of other income, or if self-employed, last quarter or year-to-date profit and loss statement
-Copy of divorce decree
-Copy of death certificate if co-borrower is deceased
-Homeowners Association bill or statement showing dues
-Your most recent W2
-Power of attorney if applicable
Overwhelmed? I’ll make it easy (or easier!) for you. Call me for assistance with your Destin, Sandestin, Santa Rosa Beach, Crestview, Fort Walton Beach Florida HAFA short sale.
Wendy Rulnick, Broker, Rulnick Realty, Inc.
Call toll-free 1-877-ITS-WNDY (1-877-487-9639) or local 850-650-7883 ext 204
Email Wendy: [email protected]