Gilbert Arizona Short Sale Expert - Gilbert HAFA short sale specialist - Gilbert Listing Agent - HAFA & HAMP

Are you considering a foreclosure alternative for your Gilbert home? There are a number of options to consider. There is a traditional short sale, deed in lieu of foreclosure, loan modification or the governments new HAFA short sale program to consider. The HAFA short sale program is effective through December 31, 2012.

With the HAFA short sale program, you can actually receive up to $3000 cash back for participating in this new program! HAFA promises short sale approval within 10 days and gives the seller up to $3,000 in cash at closing for relocation assistance.

As a Gilbert short sale listing agent and HAFA specialist, I can help you naviagate the options available to you and the steps necessary to complete them. There are a number a variables to consider when selecting your best forclosure alternative option. It is often a good idea to consult with a local real estate attorney and your accountant to see what option is best for you.

How do I get started?

• Contact a local Gilbert real estate broker or Gilbert listing agent whom is familiar with the Gilbert HAFA short sale process and can market the property and navigate the complex process to a successful close.
• Homeowners apply for the Home Affordable Modification Program (HAMP) by submitting a request to their mortgage company. This request for participation includes:
  • Request Form (Request for Modification and Affidavit)
  • Tax Form (Form 4506T-EZ)
  • Verification of Income

Give us a call today to see if you qualify for a HAFA short sale in Gilbert.

HAFA Short Sale Benefits for the seller include:

• Approval is supposed to be issued within 10 days. (Usually takes a little bit longer however but not nearly as long as a typical short sale)
• Lender/Servicer will agree not to foreclose for a period of up to six months to allow time for the sellers agent to market the property, obtain an offer and complete the HAFA short sale process.
• The lender/servicer will agree to give up their right to seek a deficiency judgement against the seller.
• A full release for the Seller of all current and future liability from the home mortgage.
• Seller will not be required to come up with any funds for a seller contribution to close.
• The seller may be eligible to receive up to $3000 in relocation assistance funds upon a successful completion of a HAFA short sale.

A list of servicers participating in HAMP (including HAFA) is available at: www.makinghomeaffordable.com/contact_servicer.html

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THERE ARE NO CHARGES TO YOU FOR OUR SERVICES! If you are considering a HAFA Short Sale in Gilbert, feel free to contact our Gilbert short sale listing agent by calling our office at (480) 331-VIZA. Avoid foreclosure. The Bank Pays us to Short Sell your Home....and may even pay YOU to do a Short Sale of your Gilbert home!

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Not yet ready to speak to a Gilbert Short Sale Specialist? Check out these websites below:

Foreclosure Prevention Workbook - English (50 page PDF workbook by the Arizona Foreclosure Prevention Task Force)

Foreclosure Prevention Workbook - Spanish

The Mortgage Forgiveness Debt Relief Act and Debt Cancellation

We will be happy to provide you with more information! Please visit our website at: www.VizaRealty.com/help

If you are looking for a Gilbert home for sale or are interested in doing a short sale of your Gilbert home, please give Viza Realty a call!

Ray Plato - Real Estate Broker 480-206-7340 direct 480-331-VIZA office Ray@VizaRealty.com

“Your interests are our priority"

www.VizaRealty.com

www.ScottsdaleViewHomes.com

www.ValleyBankOwnedHomes.com

www.RayPlato.com

About the Author...
This article was provided by Ray Plato, an experienced Arizona Real Estate Broker, Certified Distressed Property Expert & REO Specialist. Ray can be reached via e-mail at ray@vizarealty.com by cell phone or text message at 480-206-7340. Ray has helped families buy and sell their home for years! For Arizona real estate and a list of current homes for sale in Gilbert, Arizona see www.VizaRealty.com. For more info regarding short selling your home, please visit www.vizarealty.com/help.