As a realtor, I reviewed my first HAFA request with a client whom thought the letter receivd by overnight delivery was the same old thing just another letter informing her that she did not qualify for HAMP. There was exactly 14 days to respond and after a telephone call and four different departments and four different representatives we landed in the HAMP center which was outsourced to yet another company. Once we got to the right person and department promises were made verbally to my client and a series of letters are expected next. Looking forward to working in the HAFA program and hope this process is painless.
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and Billie...This homeowner is worth my time and again I have high hopes.
No, seriously........HAMP failed because it was flawed from the start. Giving people a handout for homes they couldn't afford, can't afford and won't ever be able to afford in an economy where we are loosing jobs or have lost enough jobs to put us on equal footing with the Great Depression is going to "save homes".
HAFA is just a political means to a political end for a Progressive left whose agends is to socialize this country. To quote Obama, "I do think, at a certain point, you have made enough money"
Will HAFA work, that remains to be seen. Do I believe it will work, not really. The truth of the matter is, the process is so complicated, so filled with red tape, so needlessly filled with hoops that making it work takes a committee of people.
Anyways, that's just my 2 cents.