The Federal Government’s Home Affordable Foreclosure Alternatives (HAFA) Program went into effect on April 5, 2010 and is designed to provide incentives for borrowers to do a short sale (or a deed in lieu) in order to avoid foreclosure.  HAFA悦博体育通过向参与的贷款机构提供财政激励，帮助符合条件的房主迅速实施卖空。

自6月1日起，HAFA项目将发生重大变化。 这些更新将允许房主保持当前的抵押贷款，有资格获得HAFA，并在对其信用影响较小的情况下进行卖空。

主要变化包括：

▪ The deadline for submitting for HAFA eligibility will be extended a full year, from December 31, 2012 to December 31, 2013.

▪ The removal of occupancy requirements: HAFA until now has required homeowners to have lived in the property within the last 12 months. 这一要求正在被删除。

▪ The $3,000 relocation incentive will be limited to properties occupied by an owner at the time of the short sale.

▪ Mortgage payments will be allowed to exceed 31% of the homeowner’s gross monthly income. 这样做的效果将是允许房主保持当前的抵押贷款，仍然有资格，最大限度地减少对她的信用的整体潜在影响，当然也缩短了未来购买的等待期。

▪ Junior lienholders may receive up to a maximum of $8,500, up from $6,000 previously (these are incentives to junior lienholders).

▪ There are also new mandates regarding what the lender can state on the borrower’s credit report that, reportedly, will lessen the impact on the borrower’s credit rating.

你对HAFA的变化有什么问题吗？

理查德·伊斯特（Richard Eastern）是温德米尔在贝尔维尤（Bellevue）的一名经纪人，也是卖空谈判公司Washington Property Solutions的联合创始人。 自2003年以来，他已经帮助600多名房主卖掉了他们的房子。  理查德是贝尔维尤本地人，毕业于华盛顿大学，是一名狂热的体育迷，也是一名忠诚的少年联盟和篮球教练。 你可以 在这里了解更多关于理查德的信息 或在 www.washortsales.com.