Today the Treasury Department Changed the HAFA rules when everyone was on vacation.  Why?  What is the reason for the rush?  Pressure from the PUBLIC or the National Ass. of Realtors or maybe Ca. Association of Realtors?  I think to really form an opinion you would have to read the late December "open letter" posted at CAR. org and then read the HAFA changes.  I put them up at my blog.  Frankly I am happy to see some real discussion taking place by our Trade Groups with Treasury ...See the Treasury Changes to HAFA (link)

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