HAFA SHORT SALE CERTIFIED- SPECIALIST
The Key to the HAFA Short Sale Process! Why are Agents mandatory to a HAFA short sale? HAFA transactions have so many positive attributes for Sellers that treasury wants to make sure they are a success. Short sales are inherently difficult and agents are the key for tying seller responsibilities to that of the Lender requests. Real Estate Agents who are knowledgeable about HAFA guidelines are not only essential to you as a seller but to getting your property sold. The HAFA short sale process: To start the process, the lender or loan servicer sends the seller a Short Sale Agreement (SSA), which both the seller and their Agent must sign. The SSA is a mandatory contractual agreement created by the HAFA legislation. Without the signature of an Agent, the agreement is not valid and the HAFA short sale cannot move forward. The lender also requires that the seller meet specific qualifying criteria, which the Agent helps to confirm. HAFA allows all parties to receive pre-approved short sales terms from the lender, before listing the property, including a pre-approved list price, range or minimum net to the lender. Agents are instrumental in this part of the process; because they can help the lender set a realistic release price for the property reflective of market conditions. As a HAFA Expert I am specifically trained in the HAFA program to ensure the best possible outcome in the least amount of time. HAFA guarantees closure! If an offer is submitted on your HAFA short sale that meets the requirements of the SSA, the lender must approve the sale of the property.
Nearly a quarter of Americans do some work at home, so why not create the perfect space?
Balance comfort, function and aesthetics by ensuring good lighting, selecting the right furniture and adopting a modular layout.
Don't be surprised if visitors want to stay longer once you incorporate some of these details into your design.
Comfort is key, but a little style never hurt anyone.
Ernest Hemingway's Key West mansion boasts Spanish colonial architecture and lush grounds, while San Francisco's Painted Ladies prove to be a staple of the city's skyline with their pastel facades.
Whether you're interested in a fun, educational trip or just some inspiration for your own home, a visit to these famous estates may be what you're looking for.
Transitional design, which incorporates traditional and modern features, is in high demand these days.
Bathroom makeovers don't have to break the bank, whether you want new paint, a customized shower or simple aging-in-place amenities.
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Organizing the chores you need to carry out is an effective first step toward getting the job done.
Note the areas that require regular upkeep and use a calendar or app to help you stay on top of them.
While Gen Y sits at the top of the list, mobility rates are down across several age groups.
According to census data, millennials aren't moving around as much as previous generations did at their age.
Whether you're ready for a big purchase or putting your home on the market, there's prep work involved.
Buyers, start by calculating what you can afford. Sellers, let the cleaning process begin!
The American Red Cross shares critical next steps after moving into a new home.
Does your family have a fire escape plan? If not, that may be a good place to start.
Separate your emotional needs from your practical ones, and avoid hoarding with this smart storage solution.
Categorize your trinkets based on value and importance, and then decide what stays and what goes.
The architectural elements were inspired by the original 1939 estate.
Tommy Hilfiger and his wife chose a European-meets-American fusion design.
Learn steps to a more sustainable life.
Planting and maintaining a garden is one way to take control of your own food production.
Sioux Falls, South Dakota, snagged the top spot on SmartAsset's list. Find out which other cities made the cut and why they attract young homebuyers.
This generation is known for putting off homeownership, but for those ready to buy, these are the top cities.
It isn't too late for young potential homebuyers. They still have the ability to build equity over time.
While millennial renters may be missing out on soaring real estate values, there's hope for the future.
Do your research to make the smartest investment this year.
Florida and Texas top the list with affordable housing and plenty of opportunity.
Don't underestimate the value of a good agent when it comes to buying and selling.
From providing the paperwork to explaining industry changes, experienced professionals can guide you every step of the way.
Both millennials entering the housing market and baby boomers wanting to remain in their upgraded homes are driving the changes.
Outdoor living spaces, pops of color and customization in the kitchen are a few of the latest must-haves.
Improve your upkeep habits to help preserve your house, protect your family and save money in the long run.
As a homeowner, regularly inspecting your roof, gutters, dryer exhaust, furnace and sump pumps is vital.
A few thoughtful steps can help you organize and maximize your space.
Whether you have a wall, linen or walk-in closet, there are plenty of clutter-eliminating remodeling options to consider.
Don't let a dated kitchen cost you when it's time to sell your home.
From hidden appliances to creative countertops, there are plenty of ways to upgrade this space while expressing your personal style.
From rugs as art to outdoor urban oases, it's going to be an exciting year in design.
Interior Design Show curators predict that a fusion of classic design with modern sensibilities will dominate homes this year.
Conquer routine tasks this month, and pave the way for a safe year at home.
Changing filters and checking detectors are at the top of this to-do list.
Take a step back and re-evaluate your financial goals.
Whether you own a home already or are planning to buy one, it's important to have enough money saved for the unexpected.
Notice a few negatives on your report? Consider these strategies to bump up your score.
Understanding your score could lead to increasing it.
Use color to create something new and exciting in your home this year.
One design industry expert says to expect bold, intense hues and vivid brights.
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Tackling a project may bring you one step closer to the house of your dreams.
Make some efficient yet affordable changes to your space.
Planning on trading up or scaling back? Homebuyers and sellers are having different experiences due to major housing market fragmentation.
This is the big real estate trend to be aware of this year.
Both a binder and a safety deposit box are encouraged for storing purposes.
From birth certificates to vehicle titles, there's specific info you should have on hand in times of need.
One Houston interior designer predicts these elements will start showing up in homes in 2017.
Keep an eye out for mixed metals, gemstone tones and Scandinavian style.
These communities attempt to combine the best features of urban and suburban life, such as quality public schools and prime office and retail space.
A new report predicts these neighborhoods will draw more households across the U.S. over the next decade.
These observations can help you prepare before you begin your search.
Know why you're buying, drive around the neighborhoods you like and don't buy the biggest house you can afford.
Behavioral psychologist Dr. Paul Marciano gives advice on how to achieve goals in the new year.
Only 8 percent of those who make New Year's resolutions actually accomplish them.
Tomorrow's your last opportunity!
Several people will win gift cards valued from $100 to $500 ($5,000 total).
It helps to focus your efforts on high-reward areas like the kitchen and use quality tools and products.
These five tips can help reduce the stress of the holiday season.
Some experts believe it's a prime time to put your house on the market.
One study found that homes listed in winter had a 10 percent greater chance of selling at or near their asking prices than homes listed in the summer.
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