If you are in a 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

-Request for Modification Affidavit (RMA)

-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.


It's Wendy!

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]

Destin FL Real Estate

Destin Short Sales & Pre Foreclosure Help.


Wendy is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine". Call Wendy Rulnick, Broker/Owner, to list and sell your home or condo on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County-  Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field. 


IMPORTANT NOTICE: Rulnick Realty, Inc. is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan. If you stop paying your mortgage, you could lose your home and damage your credit.

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