Tracy
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Tracy replied to Peter J Kim's discussion Is it healthy for Brokers to charge Upfront Fees?
"I am not a realtor, just a consumer.  My question is, why are buyers agents paid the same as sellers?  I think I would have liked to have paid something upfront to my buyers agent so that I would have felt more confident that they had my…"
Jul 24, 2011
Tracy replied to Jennifer Klein's discussion Anyone familiar with Department of Defense's Homeowners Assistance Program for soldiers deploying?
"For expanded HAP for PCS the person needed to have orders by september 2010.  They also needed to have bought their house before July 2006."
Jul 3, 2011
Tracy replied to Tracy's discussion New HAFA rules in the group Navy Federal Credit Union
"Our loan is owned by NFCU.  After talking to many real estate agents it seems like the best option is to rent out the house.  We live in Norfolk, big military area, and houses are getting rented before an offer comes in.  That's…"
May 6, 2011
Samson_is_Furry replied to Tracy's discussion New HAFA rules in the group Navy Federal Credit Union
"HI Tracy, I'm not a pro. I'm simply another NFCU homeowner. Through my own research I have learned that NFCU only participates in HAFA if your loan is owned by NFCU. Additionally, they will consider a short sale if you are current. If your…"
May 6, 2011
Tracy replied to Jennifer Klein's discussion Anyone familiar with Department of Defense's Homeowners Assistance Program for soldiers deploying?
"I guess I should have been more specific, Expanded HAP for PCS orders, which seems to be the one Jennifer is talking about, has been over for the past 6 months."
Apr 20, 2011
Tracy replied to Jennifer Klein's discussion Anyone familiar with Department of Defense's Homeowners Assistance Program for soldiers deploying?
"HAP is over.  You needed to have orders BEFORE September 2010, and the house needed to be under contract before June 2006  http://hap.usace.army.mil/EP_PCS.html Are these guidelines incorrect?  There seems to be this perception that…"
Apr 20, 2011
Tracy Hatchell replied to Tracy's discussion Will the HAFA program help a military family in the group HAFA - Home Affordable Foreclosure Alternative
"Tracy the Navy Ferderal does not set the guidelines the givernment does so they are the same no matter what bank it is with,. Here is the web site straight from HUD to give you everything you want to know about HAFA.…"
Mar 29, 2011
Tracy replied to Tracy's discussion Will the HAFA program help a military family in the group HAFA - Home Affordable Foreclosure Alternative
"maybe he was saying that I had to apply for HAFA"
Mar 29, 2011
Tracy replied to Tracy's discussion Will the HAFA program help a military family in the group HAFA - Home Affordable Foreclosure Alternative
"We live in Virginia and yes, right now we do live in the house, although it looks like that requirement was changed with the new rules that took effect Feb 1.  I asked my bank, Navy Federal, for their written rules for HAFA and was told there…"
Mar 29, 2011
Tracy Hatchell replied to Tracy's discussion Will the HAFA program help a military family in the group HAFA - Home Affordable Foreclosure Alternative
"What state do you live in? Do you live in the house? There are rules for eligibilty requirements for HAFA. I had a client tell me the same thing then turned in evrything for him myselff and he qualified. It depends on what you are doing."
Mar 29, 2011
Tracy replied to Tracy's discussion Will the HAFA program help a military family in the group HAFA - Home Affordable Foreclosure Alternative
"Thanks for the reply Tracy, We do not have a VA loan.  My husband talked to his command and navy legal and they told him that a short sale should not hurt his credit enough to effect his clearance, foreclosure, yea that's another…"
Mar 29, 2011
Tracy Hatchell replied to Tracy's discussion Will the HAFA program help a military family in the group HAFA - Home Affordable Foreclosure Alternative
"One thing that is highly important to know for both active military or veterans is that although you may qualify for HAFA you better not have a VA loan when you are doing it. Although the bank may allow the short sale under HAFA or any other program…"
Mar 29, 2011
Tracy commented on Adam Woodhall's group Navy Federal Credit Union
"We are in VA and the bank can sue.  Foreclosure is not an option because my husband needs security clearance for his Navy job and a civilian job in his field, plus the bank can come after us.   Without that, pretty much everything we have…"
Mar 28, 2011
Tracy commented on Adam Woodhall's group Navy Federal Credit Union
"Adam, Thank you for your response. I am not sure we could get a 40,000 unsecured loan.  Have you seen this? http://www.youtube.com/watch?v=CfanFlis-8Q"
Mar 28, 2011
Tracy commented on Adam Woodhall's group Navy Federal Credit Union
"My loan is a Navy Federal portfolio loan.  Looks like the worst kind : (  I called the bank to get their hafa policy in writing and was told that there was nothing he could send me.  All we can do is send in a short sale package and…"
Mar 28, 2011
Tracy commented on Adam Woodhall's group Navy Federal Credit Union
"Has anyone closed a HAFA short sale with Navy Federal?  They are supposed to be participating in HAMP.  Who sets the rules if you qualify for HAFA?"
Mar 27, 2011

Profile Information

First Name
Tracy
Last Name
Donofrio
State
VA
City
Norfolk

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