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Understanding the Home Affordable Foreclosure Alternatives Program

January 10, 2012 By Aaron


In light of the rising number of property foreclosures in the United States, the government has expanded the Home Affordable Modification Program (HAMP) to include provisions and incentives for servicers to allow short sales or deeds-in-lieu as positive options for eligible homeowners in default who wish to avoid foreclosure. The new program is called Home Affordable Foreclosure Alternatives (HAFA).

What is the Home Affordable Foreclosure Alternatives Program? Here are some of its benefits:

  • Borrowers will receive $1,500 in relocation expenses from the US Government.
  • Loan Servicers will receive $1,000 from the US Government per transaction that they process.
  • 2nd lien holders will receive up to $3,000 of the sale proceeds for releasing their liens.
  • 1st lien investors can receive up to $1,000 from the US Government for “signing off” on payments that subordinate lien holders.
  • Borrowers must be “fully released” from any and all further liability.

[Read more…]

Filed Under: Buyers and Sellers Tagged With: Deed in Lieu, Foreclosure, HAFA, Home Affordable Foreclosure Alternatives, Real Estate, Short Sale

Success in Seven Steps

February 8, 2010 By Aaron

  1. Know what you want. The truth is we can have anything we desire in life. Earl Nightingale said that if man only knew that he could have anything he wanted he would set more goals. What do you want in life? Wealth? Health? Happiness? Any and all can be yours – if you create a compelling enough vision of your future. This vision works like a magnet, moving you forward and keeping you going, even when you hit occasional walls. Walls are part of any business and it’s what you do to get up, over, around, and through them that matters. Really knowing what you want will move you beyond them each and every time. The truth is if we set more goals we would achieve more things in life. If your vision is clear, you will get there. The problem is most of us do not have a clear vision.
  2. Write it Down. Success begins when you grab the pen and paper and think and work to craft your ideal life. Successful people think on paper before they act. You must take the time to write your success plan on paper and your goals down on paper. Only 3% of our population does so. Guess what those 3% have, live in, drive, wear, and eat? It is not by accident what they achieve. It is by design. If you cannot write your vision with clarity on paper you certainly will not be clear mentally to achieve it. By writing your vision clearly you will pull you mental, spiritual, physical, and emotional powers in alignment to achieve your vision and goals. Your mind, your body, and your subconscious mind will all work like a tug-o-war team pulling on the rope of life. With those three powerful forces pulling in concert, it does not matter how many or how strong the opponent is on the other end of the rope. They will most assuredly be pulled across the center line for your victory.
  3. [Read more…]

Filed Under: Misc, Real Estate

Spheres of Influence

February 5, 2010 By Aaron

I find that so many Real Estate Agents avoid marketing when it comes to their sphere. And yet statistics show that this can be the greatest source of referrals.

Define and Rate your Sphere

When is the last time that you took a good look at your sphere? What is the total? What are the categories in that group? Do you have past clients, friends, acquaintances, people you hardly know? Before you do anything else go into your data base and group your sphere in categories.

Do you know who in your sphere is likely to refer to you? Do you know who in your sphere already works with another agent? How many have moved away? Start deleting the inappropriate ones.
[Read more…]

Filed Under: Real Estate

Social Networking for Real Estate

October 28, 2009 By Aaron


Seven Ways to Master Social Networking

Be authentic. Your profile is the first thing people will see when they visit your page. Be truthful about who you are and what you do. Details are a good thing. Calling yourself a “real estate expert” isn’t as informative as “20 years working with XYZ Reality, specializing in urban condos.” Providing nuggets about your life outside of work (everyone loves to see photos) adds a human element to whom you are, and that builds relationships.
[Read more…]

Filed Under: Real Estate, Technology

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