I want to thank all who have contributed to this site.
I was empowered by the great advice given when I received a call at the end of August from very distressed homeowners who were 5 days from TS. They had not made a payment to the 1st, 2nd, or HOA in 2+ years. We just successfully closed with them getting the HAFA assistance. They also have moved to a better home for 1/2 the payment.
Did I already say THANK YOU!

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Janine - We are empowered by you!  All of us together can help each other make a difference in people's lives.  Happy New Year!

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