The Home Affordable Foreclosure Alternatives (HAFA) Program is the government’s newest tool to help homeowners avoid foreclosure. HAFA provides incentives for lenders and homeowners to carry out a short sale or deed-in-lieu of foreclosure.

Are you eligible? Take this short survey to find out:

*Information in this survey sourced from Supplemental Directive 09-09 Revised, which is available at: https://www.hmpadmin.com/portal/docs/hafa/sd0909r.pdf.

How to Recognize a Mortgage Scam You might be a victim of a scam if:

• You are told you will get a federal incentive to walk away from your mortgage
• You are asked to pay upfront for counseling
• You are pressured to sign papers immediately
• You are asked to sign your house over to a company or person who is not working with your mortgage company
• You are asked to make a mortgage payment to someone other than your mortgage company without their approval
• You are guaranteed a successful short sale or mortgage modification
• They claim to be a representative of the federal government

If you believe that you are a victim of a scam, you should contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or visit their Complaint Assistant https://www.ftccomplaintassistant.gov.