Can HAFA help me with a short sale in Oxford, Alabama?

In 2009, the Treasury Department introduced the HAFA program to provide a viable option for homeowners who are unable to keep their homes through the existing Home Affordable Modification Program (HAMP).

How can HAFA help with my short sale in Oxford, AL? HAFA provides incentives in connection with a short sale or a deed-in-lieu of foreclosure.   HAFA offers the following:

* Complements HAMP by providing a viable alternative for borrowers (the current homeowners) who are HAMP eligible but nevertheless unable to keep their home.

* Uses borrower financial and hardship information already collected in connection with consideration of a loan modification. * Allows borrowers to receive pre-approved short sales terms before listing the property (including the minimum acceptable net proceeds).

* Requires borrowers to be fully released from future liability for the first mortgage debt (no cash contribution, promissory note, or deficiency judgment is allowed).

* Uses standard processes, documents, and timeframes/deadlines.

* Provides the following financial incentives:

o $3,000 for borrower relocation assistance;
o $1,500 for servicers to cover administrative and processing costs;
o Up to $2,000 for investors who allow a total of up to $6,000 in short sale proceeds to be distributed to subordinate lien holders, on a one-for-three matching basis.

* Requires all servicers participating in HAMP to implement HAFA in accordance with their own written policy, consistent with investor guidelines. The policy may include factors such as the severity of the potential loss, local markets, timing of pending foreclosure actions, and borrower motivation and cooperation.

(The above info was provided by Realtor.org)

For a Free Brochure with a full explaination of how HAFA can help you with a short sale in Oxford, AL or anywhere in Alabama, visit our website and request the brochure.

Swift Short Sales

Swift short sales is almost a misnomer. I mean after all, who has ever heard of a swift short sale. Yet, it is possible. Short sales are one the most underutilized processes in dealing with the disposition of a property that has begun to sink below the surface on it's way to being "underwater". Why is the short sale process so underutilized? It's probably because the property owner doesn't see the need for one or the agent doesn't know enough about short sales to talk to their client about it.

Truth is...it can be an efficient and swift process, if eveyone involved is kept well informed, educated, and trained. There has to be a plan in play and that plan must be executed with precision to simplify this process. When all of these facets are brought together a process that sparkles like a diamond is created.

So, do you need a Swift Short Sale? Do you want a Swift Short Sale? Would a Swift Short Sale solve your problem? If so, let me know and together we will begin the educating, informing and training.

Lease purchase is a great alternative to home ownership if you tired of paying rent with no resolve or chance of ownering the property then you owe it to yourself to give me a call or visit my website.

Below you will find a link to Lease Purchase Homes for Sale if you need to contact me about a lease purchase or have questions about a lease purchase transaction you can reach me at 205-338-5555 or send me an e-mail at miller.exec@gmail.com

There are hundreds of Lease purchase property located in the Birmingham Metro area. If you can find what your looking for give me a call.

FIND LEASE PURCHASE PROPERTY

Save Money and Energy

Using energy wisely not only saves you money, it helps lower emissions and conserve resources. If you're looking for ways to lower your electric bill by improving your home or changing habits, start here.

Energy-Saving Tips It's amazing what you can do and how much you can save. Find out how. Energy Efficiency House Tour our virtual house and get money-saving advice room by room. Energy Check-Up Tell us about your home and receive custom energy-saving recommendations and information. Energy Library The Energy Library offers home energy information using easy to understand terms and illustrations.

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Most people don't follow and listen to the experts and the expert tips here saved me money

CONNECT WITH ME ON LINKEDIN

Most Real Estate Agents are missing the boat when it comes to this little tool. I invited an agent who I had done business with in the past too join Linkedin so we could stay in touch and she sent me a response that my emails were unwanted. That makes no sense to me does she not understand that Real Estate is Listing a house and selling it. You first have to build the relationships with fellow Real Estate agents and with you Clients.

For those of you that are refussing to imbrass the changes to the way Real Estate is done you will be left out in the Cold.

Some people say yeah I'll get around to it but a year goes by and you have done nothing-

I have closed 5 deals using my Social Networks in 2009 and I hope to triple that in 2010.

P.S. I accept all invites so lets get connected on LinkedIn

Remember my connections are your connections

Network Statistics

Here you see statistics about your network, including how many users you can reach through your connections. Your network grows every time you add a connection — invite connections now.

Your Network of Trusted Professionals

You are at the center of your network. Your connections can introduce you to 2,191,200+ professionals — here’s how your network breaks down:

Your Connections Your trusted friends and colleagues	181
Two degrees away Friends of friends; each connected to one of your connections	25,900+
Three degrees away Reach these users through a friend and one of their friends	2,165,000+
Total users you can contact through an Introduction	2,191,200+

3,248 new people in your network since December 2

The LinkedIn Network

The total of all LinkedIn users, who can be contacted directly through InMail.

Total users you can contact directly — try a search now!

50,000,000

More About Your Network

Regional Access Top locations in your network:

9%

1. Greater New York City Area

3%

2. Greater Los Angeles Area

3%

3. Greater Chicago Area

3%

4. San Francisco Bay Area

3%

5. Greater Atlanta Area

Your region: Birmingham, Alabama Area

Your connections are in 17 locations but your network gives you access to 729 additional locations, including:

• Greater New York City Area
• India
• San Francisco Bay Area

Fastest growing locations in your network:

1. Greater New York City Area
2. Birmingham, Alabama Area
3. India

Industry Access Top industries in your network:

19%

1. Real Estate

11%

2. Financial Services

7%

3. Information Technology and Services

6%

4. Staffing and Recruiting

6%

5. Banking

Your industry: Real Estate

Your connections are in 26 industries but your network gives you access to 147 additional industries, including:

• Staffing and Recruiting
• Human Resources
• Computer Software

Fastest growing industries in your network:

1. Staffing and Recruiting
2. Information Technology and Services
3. Real Estate