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  Tonia January 11, 2011 at 3:04pm

  You cleared a lot up! The bank told me that the realtor does the HUD and the realtor said the attorney does. Thank you for that!
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  Kim Himmel January 11, 2011 at 2:55pm

  Tonia in New Jersey you have to have a attorney to do a HUD and your closing, in Ohio we as title companys do the HUD and the closing for you. Do you have a attorney that you like and trust? Shop for charges with different attorneys if you don't have one.
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  Tonia January 11, 2011 at 2:49pm

  Thanks for your advice! I hope it doesn't come to that but based on past performance from Aurora it may be the only option. Also, my realtor thinks I need to hire an attorney. Aurora wants a HUD-1 filled out and she tells me that I need an attorney for that because the realtor doesn't do that. Is she correct?
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  Kim Himmel January 11, 2011 at 8:10am

  Tonia, I wish you luck with dealing with HAFA, be patient be persistant and don't get discouraged..It is a long process, but if you qualify it is a worth while program.  I hope that all works out for you and your husband. If you have diffaculties with HAFA call your local congress persons office, some times they can light a fire for you....

  Good Luck!
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  Tonia January 11, 2011 at 8:00am

  New jersey is our state. Unfortunatly I've learned that it doesn't matters to the bank but we are the exact reason tha HAFA program was created. I have secondary progressive multiple sclerosis. We have to relocate near my husband's work because I am now disabled and need help for myself and 7years old son. The medical expenses are piling up and my husband's salary has been frozen since 2008 due to the financial decrease in sales that millions of companies are experiencing.
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  Kim Himmel January 11, 2011 at 7:25am

  Some banks will let you continue on with a new buyer if you are meeting the same terms as your previous buyer. But some banks will make you start the process over again, and as far as HAFA goes I have only seen one person sucessfully accomplish a HAFA short sale out of 300 some files.  So think long and hard about going that route.  You do not have to go through HAFA to get a short sale if you opt not to . What state may I ask?