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	<title>whatshafa.com</title>
	
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		<title>Freddie Mac HAFA Program Announced</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/H9w-xRFQrpY/</link>
		<comments>http://whatshafa.com/2010/06/freddie-mac-hafa/#comments</comments>
		<pubDate>Thu, 03 Jun 2010 16:38:47 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[Freddie Mac HAFA]]></category>
		<category><![CDATA[HAFA]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=664</guid>
		
			<content:encoded><![CDATA[Oh boy, here we go &#8211; another set of guidelines!!!!!  Do you ever feel like your head is spinning around and around and around?  Here is the link for now for a summery page.  I will supply more information later.  Think I have used over a reem of paper so far with HAFA guidelines!<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/H9w-xRFQrpY" height="1" width="1"/>]]></content:encoded>
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		<feedburner:origLink>http://whatshafa.com/2010/06/freddie-mac-hafa/</feedburner:origLink></item>
		<item>
		<title>Fannie Mae HAFA Program Announced June 1, 2010</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/9FG9UdFAsqA/</link>
		<comments>http://whatshafa.com/2010/06/fannie-mae-hafa-guidelines/#comments</comments>
		<pubDate>Wed, 02 Jun 2010 20:18:47 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[Fannie Mae HAFA]]></category>
		<category><![CDATA[Foreclosure alternatives]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[HAFA Government Program]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Short Sale Rules and Guidelines]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=644</guid>
		
			<content:encoded><![CDATA[Well, well, well … Fannie Mae is way ahead of the game and put their HAFA Program together and announced the 22 page “Fannie Mae Announcement SVC-2010-07” on June 1, 2010, yet the program is not mandated to be implemented until August 1, 2010.  Servicers are encouraged to implement the Fannie Mae HAFA program earlier than [...]<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/9FG9UdFAsqA" height="1" width="1"/>]]></content:encoded>
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		<slash:comments>2</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/06/fannie-mae-hafa-guidelines/</feedburner:origLink></item>
		<item>
		<title>Fannie/Freddie HAFA Program coming June 1, 2010 – or so they say!</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/3QHGvgU1O_Q/</link>
		<comments>http://whatshafa.com/2010/05/fannie-freddie-hafa-program/#comments</comments>
		<pubDate>Fri, 21 May 2010 20:49:46 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[Fannie Mae HAFA]]></category>
		<category><![CDATA[Foreclosure alternatives]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Short Sale Rules and Guidelines]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=590</guid>
		
			<content:encoded><![CDATA[I attended a HAFA webinar today and the presenter stated he spoke with the US Treasury Department yesterday and was told FANNIE and FREDDIE will more than likely have their HAFA type short sale program up and running  June 1, 2010, 5 months earlier than mandated.  This is great news!  Contact us if you need help [...]<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/3QHGvgU1O_Q" height="1" width="1"/>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/05/fannie-freddie-hafa-program/</feedburner:origLink></item>
		<item>
		<title>Short Sale Scam Exposed by Channel 7 News and Merre Ward of the www.whatsHAFA.com Team</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/-i28YxkzoXg/</link>
		<comments>http://whatshafa.com/2010/05/short-sale-scam/#comments</comments>
		<pubDate>Mon, 17 May 2010 03:29:07 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[Foreclosure]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[SHort Sale Scam]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=574</guid>
		
			<content:encoded><![CDATA[After 7 months of research and assisting  the Senior Producer for 7 on Your Side with Michael Finney, Channel 7 News aired a possible foreclosure and short sale scam preying on desperate homeowners.  Be sure to watch the video clip.  It was with great pleasure I was able to assist in exposing the bad guys!<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/-i28YxkzoXg" height="1" width="1"/>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/05/short-sale-scam/</feedburner:origLink></item>
		<item>
		<title>Loan Modification Mistakes – Part 2 of 7</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/0kvfuFF1PAE/</link>
		<comments>http://whatshafa.com/2010/05/loan-modification-mistakes-part-2-of-7/#comments</comments>
		<pubDate>Wed, 05 May 2010 17:09:59 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=567</guid>
		
			<content:encoded><![CDATA[Making a Decision from a Business Point of View For the past 2 years I have met with homeowners who feel an extreme moral obligation to keep their home and take every last penny they have to make the mortgage payment.  Yet, my wise son at age 25 put it this way a 2 years ago; [...]<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/0kvfuFF1PAE" height="1" width="1"/>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/05/loan-modification-mistakes-part-2-of-7/</feedburner:origLink></item>
		<item>
		<title>HAFA Offer Letters are “In the Mail”</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/YOWRg-84Ztk/</link>
		<comments>http://whatshafa.com/2010/04/hafa-offer-letters/#comments</comments>
		<pubDate>Fri, 30 Apr 2010 02:27:28 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[Fannie Mae HAFA]]></category>
		<category><![CDATA[HAFA]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=557</guid>
		
			<content:encoded><![CDATA[In talking to 2 companies that contract with major mortgage servicers, when asked when the HAFA Offer Letters where to start going out, I was informed the mailings began last week. Borrowers and homeowners &#8211; if you recieve a HAFA Offer Letter from your bank servicer we would sure like to hear about it from you!  [...]<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/YOWRg-84Ztk" height="1" width="1"/>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/04/hafa-offer-letters/</feedburner:origLink></item>
		<item>
		<title>7 Loan Modification Mistakes – Part 1 of 7 from “WhatsHAFA.com”</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/u3ssLcKkf9o/</link>
		<comments>http://whatshafa.com/2010/04/7-mistakes-modifications-1/#comments</comments>
		<pubDate>Fri, 30 Apr 2010 02:11:53 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[Foreclosure alternatives]]></category>
		<category><![CDATA[Loan Modification]]></category>
		<category><![CDATA[Underwater Mortgage]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=552</guid>
		
			<content:encoded><![CDATA[Over the past year and a half, I have received dozens of calls from other realtors and homeowners who have actually received loan modifications from their banks/servicers and are so excited about the terms.  But wait …. did you REALLY understand what you were reading?  Hmmmm, probably not, because you more than likely never read [...]<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/u3ssLcKkf9o" height="1" width="1"/>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/04/7-mistakes-modifications-1/</feedburner:origLink></item>
		<item>
		<title>HAFA, Short Sales, Foreclosure and Your Credit Score</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/2vkJ8qUXGuc/</link>
		<comments>http://whatshafa.com/2010/04/hafa-short-sales-foreclosure-and-your-credit-score/#comments</comments>
		<pubDate>Thu, 29 Apr 2010 05:43:31 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[Credit after foreclosure]]></category>
		<category><![CDATA[FICO Score and Credit]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=544</guid>
		
			<content:encoded><![CDATA[I have one complaint when it comes to HAFA, short sales, foreclosure and credit scores &#8211; everyone seems to have an opinion and does a little bit of exaggerating when it comes to the damage a foreclosure or short sale will do to your credit.  I have some REAL LIFE examples of credit score changes: [...]<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/2vkJ8qUXGuc" height="1" width="1"/>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/04/hafa-short-sales-foreclosure-and-your-credit-score/</feedburner:origLink></item>
		<item>
		<title>IRS 1099-C for Mortgage Forgiveness OR Deficiency – The banks don’t get both!</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/t63ZM-GEiQ0/</link>
		<comments>http://whatshafa.com/2010/04/irs-1099-c-for-mortgage-forgiveness-or-deficiency-the-banks-dont-get-both/#comments</comments>
		<pubDate>Tue, 20 Apr 2010 00:53:59 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[1099-C]]></category>
		<category><![CDATA[Mortgage Deficiency]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=492</guid>
		
			<content:encoded><![CDATA[I received a call from one of my long time fellow realtors and good friend last week.  We spent most of our conversation sharing war stories of short sales and the issues with the banks!  We finally got down to business and the subject at hand was my fellow realtor had a client who was [...]<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/t63ZM-GEiQ0" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://whatshafa.com/2010/04/irs-1099-c-for-mortgage-forgiveness-or-deficiency-the-banks-dont-get-both/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/04/irs-1099-c-for-mortgage-forgiveness-or-deficiency-the-banks-dont-get-both/</feedburner:origLink></item>
		<item>
		<title>HAFA Schmafa – Stay tuned for a first HAFA Short Sale Submission</title>
		<link>http://feedproxy.google.com/~r/whatshafa/~3/g9XJyGkgOyw/</link>
		<comments>http://whatshafa.com/2010/04/hafa-schmafa-stay-tuned-for-a-first-hafa-short-sale-submission/#comments</comments>
		<pubDate>Wed, 14 Apr 2010 05:59:10 +0000</pubDate>
		<dc:creator>Merre Ward</dc:creator>
				<category><![CDATA[HAFA]]></category>
		<category><![CDATA[HAFA Government Program]]></category>
		<category><![CDATA[Short Sale]]></category>
		<category><![CDATA[Short Sale Rules and Guidelines]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://whatshafa.com/?p=487</guid>
		
			<content:encoded><![CDATA[Well, I know the HAFA program inside and out and I am submitting my first HAFA short sale package to Wells Fargo.  My sellers have a Wells first mortgage (non Fannie or Freddie) and a HELOC Wells Fargo second mortgage.  Of course, each short sale package goes to different loan departments. My sellers are not [...]<br/>
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To read more, visit http://whatsHAFA.com or click the title.<img src="http://feeds.feedburner.com/~r/whatshafa/~4/g9XJyGkgOyw" height="1" width="1"/>]]></content:encoded>
			<wfw:commentRss>http://whatshafa.com/2010/04/hafa-schmafa-stay-tuned-for-a-first-hafa-short-sale-submission/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		<feedburner:origLink>http://whatshafa.com/2010/04/hafa-schmafa-stay-tuned-for-a-first-hafa-short-sale-submission/</feedburner:origLink></item>
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