Home Affordable Foreclosure Alternatives Program (HAFA)
To help homeowners who are unable to keep their homes under the Home Affordable Modification Program, the HAFA program may make a short sale or a deed-in-lieu of foreclosure a viable option to help them avoid foreclosure
Do You Need Help Getting Out of a Timeshare?
Timeshare contracts don't have to burden you forever. During our free event, real estate lawyers will show you how timeshare owners have gotten out of their sales contracts.
Timeshare Cancellation, Termination & Modification
Learn how it's possible to cancel, terminate or modify your sales contract. Regardless of what resort developers tell you, they do let timeshare owners out of their contracts. Developers frequently breach their own contracts and engage in fraudulent activities. Learn how a developer's actions can give you a way out.
Deception
Has the resort told you that you can't make a reservation? Have they told you that you can't rent your week? Are you paying hidden costs or higher fees? Timeshare owners face many surprises after the sales presentation. We'll explain your options.
Sales
The timeshare resale industry is rife with unscrupulous businesses. Resale scams require sellers to pay expensive upfront junk fees. Learn how not to become a victim of these fraudsters.
Dealing with Runaway Maintenance Fees
On average, timeshare maintenance fees increase 8% per year. You might even get stuck paying other costs and assessments as time goes on. The sales team probably didn't tell you about these hidden expenses and fee increases. We'll explain how you can seek relief from this costly headache.
Estate Plan
If you've decided to keep your timeshare, then the next step is creating an estate plan. Timeshare contracts are "in perpetuity," and your heirs will have to continue paying maintenances fees and other costs. Learn how to dispose of your timeshare to prevent your heirs from inheriting the extra expenses.
A Franchise Agreement is a legal contract between a franchisor and franchisee. The agreement characterizes the foundation of the terms between both the consenting groups, which requires trust. Being a distributor, it is crucial for you to know how to write a franchise agreement proposal in order to attract various business groups. This template will help you in presenting a well-defined proposal to your prospective clients. Our franchise agreement Proposal PowerPoint Presentation Slides is committed to creating firm connections between different business groups. This business proposal PPT is focused on effective communication. List down the orders, prices, and terms of sales and payment. Define the responsibilities of distributors and the company. Give your potential distributors an overview of the general provision, time duration, and the termination of the project. With this franchise agreement proposal PowerPoint Presentation, you will be able to explain your scope to the business groups. With a highly professional and well-researched agreement proposal PPT template, you can reach up to the most leading businesses to distribute the franchise and grow your business efficiently. The content in the proposal is researched by business professionals and is appropriate for a franchise agreement. Therefore, download this excellent PPT and create a franchise agreement proposal for your company.
Do You Need Help Getting Out of a Timeshare?
Timeshare contracts don't have to burden you forever. During our free event, real estate lawyers will show you how timeshare owners have gotten out of their sales contracts.
Timeshare Cancellation, Termination & Modification
Learn how it's possible to cancel, terminate or modify your sales contract. Regardless of what resort developers tell you, they do let timeshare owners out of their contracts. Developers frequently breach their own contracts and engage in fraudulent activities. Learn how a developer's actions can give you a way out.
Deception
Has the resort told you that you can't make a reservation? Have they told you that you can't rent your week? Are you paying hidden costs or higher fees? Timeshare owners face many surprises after the sales presentation. We'll explain your options.
Sales
The timeshare resale industry is rife with unscrupulous businesses. Resale scams require sellers to pay expensive upfront junk fees. Learn how not to become a victim of these fraudsters.
Dealing with Runaway Maintenance Fees
On average, timeshare maintenance fees increase 8% per year. You might even get stuck paying other costs and assessments as time goes on. The sales team probably didn't tell you about these hidden expenses and fee increases. We'll explain how you can seek relief from this costly headache.
Estate Plan
If you've decided to keep your timeshare, then the next step is creating an estate plan. Timeshare contracts are "in perpetuity," and your heirs will have to continue paying maintenances fees and other costs. Learn how to dispose of your timeshare to prevent your heirs from inheriting the extra expenses.
A Franchise Agreement is a legal contract between a franchisor and franchisee. The agreement characterizes the foundation of the terms between both the consenting groups, which requires trust. Being a distributor, it is crucial for you to know how to write a franchise agreement proposal in order to attract various business groups. This template will help you in presenting a well-defined proposal to your prospective clients. Our franchise agreement Proposal PowerPoint Presentation Slides is committed to creating firm connections between different business groups. This business proposal PPT is focused on effective communication. List down the orders, prices, and terms of sales and payment. Define the responsibilities of distributors and the company. Give your potential distributors an overview of the general provision, time duration, and the termination of the project. With this franchise agreement proposal PowerPoint Presentation, you will be able to explain your scope to the business groups. With a highly professional and well-researched agreement proposal PPT template, you can reach up to the most leading businesses to distribute the franchise and grow your business efficiently. The content in the proposal is researched by business professionals and is appropriate for a franchise agreement. Therefore, download this excellent PPT and create a franchise agreement proposal for your company.
HAFA is a government sponsored short sale and deed-in-liue program. It is an extension of the HAMP loan modification program. This slide show takes you through the HAFA process.
HAFA is a government sponsored short sale and deed-in-liue program. It is an extension of the HAMP loan modification program. This slide show takes you through the HAFA process.
Referans Bahcesehir which is being constructed, in the center of the most regional destination as Bahçeşehir, shines out with its central location and unique landscape including social facilities such as a fitness center, sauna, sports facilities, children’s playground and recreational areas.
Not only drawing attention for immediate surroundings including commercial centers and private schools but also providing the easily accessible location with closeness to Tem Highway and connection roads, ongoing construction of 3rd Bridge Connection roads and Metro Projects
Bahcesehir is a rising value in the great city of Istanbul… Located at a new transportation junction in the northwest of the City… Located at such a spot that the access roads for the 3rd bridge and for the 3rd Airport will reach the region in 2016. The Marmaray and the Subway will extend all the way to Referans Bahcesehir respectively in 2018 and 2019.
465 flats and 34 stores are designed with an outstanding approach and arranged with a unique perspective offering the following options: 1 plus 1, 2 plus 1, 3 plus 1, 3.5 plus 1, 4 plus 1, and 4.5 plus 1. It is planned so as to safeguard you and your loved ones based upon a modern, technological safety approach. As you experience the joy and luxury here, you will be content and feet at ease.
It is worth seeing both inside and outside with heart-warming cafes, tasty restaurants and elegant stores… And it is ready to offer a vivacious social life with a warm and cozy space design.
A folding swimming pool and indoor swimming pools, playgrounds, Turkish bath, sauna… It has them all. Everything you need for your well-being and for having a pleasant time will be at your service. You simply need to align the rhythm of life with the rhythm of Referans Bahcesehir.
https://listingturkey.com/property/referans-bahcesehir/
Simpolo Tiles & Bathware
Tile ho,
toh Simpolo.
Since the first steps were taken in 1977, Simpolo Ceramics has carved its niche as a consistently growing organisation with unparalleled innovation and passion rooted in simplicity.
We endure gratification for every experience we offer, created to share something meaningful. It may not resonate with the majority, but that makes us a class apart. If only a handful were to understand the purpose of our existence, we would be proud to have found our believers. Rather, people with whom we can share our beliefs.
VISUALIZER
Design your space in your style with our very own Visualizer. Now, you can choose the tiles of your liking from our wide selection and see how they would look in a space. Select the tile from the multiple options and the visualiser will replace the surfaces in the image with the selected tiles. This way, instead of just your imagination, you can choose the tiles for your place by getting an actual picture of how they would look in a space. So, design your space the way you desire digitally and implement it in real life to get the best results!
You can also share this visualiser with others to help them design their space.
Committed to delighting customers with world-class ceramic products and services. Make Simpolo synonymous with the best quality and set new benchmarks of excellence for all stakeholders. Pursue best business practices with utmost integrity to make Simpolo an exciting organisation to work with, for vendors, channel partners, investors and employees alike.
Gain worldwide recognition in the field of ceramic building products through Research and Innovation and bring an enhanced lifestyle within reach for every household.
Brigade Insignia offers meticulously designed apartments with modern architecture and premium finishes. The project features spacious 3,3.5,4 and 5 BHK units, each thoughtfully planned to provide maximum comfort, natural light, and ventilation.
https://www.newprojectbangalore.com/brigade-insignia-yelahanka-bangalore.html
Keep Your Home Naturally Cool and Warm Out Change in Seasons
Vinra Construction is a private limited company registered under the ROC. The management has an experience of over 15 years of understanding the needs and delivering apt solutions to the end users We are providing turnkey solutions in construction fields. like Construction, Interior Designing Facility Management, Plantation Management, etc..
Vinra Construction Tech Enabled Company for Eco-Friendly Home Construction
Contact With Vinra for a Greener Future >>> Call us @ 888 4898 765
500 acres of brilliance await you here at Riverview City which offers modern living, effortless convenience, and a beautiful natural setting. It is a mega township by Magarpatta City in Loni Kalbhor, Pune. Enjoy easy access to work, schools, and fun while experiencing a perfect work-life balance.
Visit - magarpattacity.developerprojects.in
Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szet...Volition Properties
=== Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szeto) ===
Ever been curious about Real Estate Investing in the US?? At Volition, for the past 14 years, we have been focused on helping investors invest in over $250M of real estate and generate $100M of wealth in the Toronto market, but we are always open to learning more about other business models and learning from other investors.
The US has always been an intriguing market to invest in. But the US is a big place… if you’re interested in investing in the US, you probably have a lot of questions, like:
☑️ Specifically WHERE should you invest?
☑️ What are the best markets to invest in and why?
☑️ How much are property prices there?
☑️ What are the returns like?
☑️ What is cashflow like?
☑️ Compared to investing in Toronto or other cities in Ontario, what are the benefits / tradeoffs?
☑️ What ownership structure should I use?
☑️ What are the tax implications?
☑️ Can I get financing?
☑️ What are tenants like?
Enter Erwin Szeto, a longtime friend of Volition. Since 2005, Erwin Szeto and his team have navigated the challenging landscape of being landlords in Ontario. Now, they are shifting their focus and guiding their clients' investments toward the more landlord-friendly environment of the USA. This decision comes after assisting Canadian clients in transacting over $440,000,000 in income properties. Faced with issues like affordability constraints, tenant-friendly laws, rent control, and rental licensing in Canada, Erwin sees a clear opportunity in the U.S. Here, there is a significant influx of investments leading to the creation of high-paying manufacturing jobs. Erwin and his clients are poised to capitalize on these opportunities where landlord rights are stronger and there is no rent control.
To facilitate this transition, Erwin has partnered with and become a client of SHARE, a one-stop-shop U.S. Asset Manager. Founded by Canadians for Canadians, SHARE enables as passive an ownership experience as possible for landlords in the U.S., while still maintaining direct, 100% ownership.
Erwin is “Making Real Estate Investing Great Again”!!
Website: https://www.infinitywealth.ca/
Facebook: https://www.facebook.com/iwinrealestate and https://www.facebook.com/ErwinSzetoOfficial
Podcast: https://www.truthaboutrealestateinvesting.ca/
Instagram: https://www.instagram.com/iwinrealestate/ and https://www.instagram.com/erwinszeto/
BricknBolt Understanding Load-Bearing Walls and Their Structural Support in H...BrickAndBolt
Load-bearing walls are the backbone of any home construction, providing crucial structural support that carries the weight of the house above. For companies like Brick and Bolt Mysore and Bricknbolt Faridabad, understanding and properly implementing these elements are key to constructing safe and durable buildings.
Need MCA leads? No sweat! MCAs are great for small biz funding. Learn how to snag top-notch leads: businesses needing cash, with repayment ability, decision-makers, and accurate contacts. Use content, social ads, lead platforms, partnerships, and capture processes for quality leads.
https://www.leadgeneration.media/blog/b/streamline-your-mca-sales-process-with-pre-qualified-leads
Omaxe Sports City Dwarka stands out as a premier residential and recreational destination, offering a blend of luxury and sports-centric living. Located in the thriving area of Dwarka, this project by Omaxe Limited is designed to cater to modern lifestyle needs while promoting a healthy, active living environment.
Flat available for sale
Location- Tupudana, Ranchi
Savitri enclave
Area- 3BHK
Rate- 4000/sq.ft.
Super Build Up Area-1629 sq.ft.
Build-up area-1253 sq.ft.
Rate- 65lakh16k(approx)
Floor available- Flat available in all floor(G+12)
Balcony- 2
Washroom- 2
Parking - CAR PARKING
Amenities- Joggers track,temple, children's park,gym,banquet hall (5 Lakh)
Possession year (Handover year)- Dec 2025
Outside View from the apartment and flat balcony is very beautiful.
For more information contact AASHIYANA STAR PROPERTIES
7766900371
The SVN® organization shares a portion of their new weekly listings via their SVN Live® Weekly Property Broadcast. Visit https://svn.com/svn-live/ if you would like to attend our weekly call, which we open up to the brokerage community.
The KA Housing - Catalogue - Listing TurkeyListing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
https://listingturkey.com/property/the-ka-housing/
Green Homes, Islamabad Presentation .pdfticktoktips
Green Homes Islamabad offers beautifully designed 5, 8, and 10 Marla homes near the airport and motorway. Enjoy luxury, convenience, and high rental returns in a prime location.
Torun Center Residences Istanbul - Listing TurkeyListing Turkey
THERE IS LIFE IN ITS CENTER!
The most energetic spot of the city that will add utterly different pleasures to your life, with a park that will make Istanbul breathe, delighting indoor and outdoor bistros, cafes, restaurants, the brand-new Food Hall concept, where dozens of unique tastes are served together, market area, cinema, theater, fitness club, SPA and event venue...
All the pleasures that will enrich your lives are awaiting you on the most beautiful side of the city, at Torun Center Residences. In Mecidiyeköy, where the heart of Istanbul beats, business, life and entertainment opportunities are located at the exact center, at Torun Center, the most beautiful side of the city.
Penthouse apartments and different styles of flats from 1 + 1 to 4 + 1, from 100 to 425 square meters in a 42-story residence tower, have been designed for those who want to live in the center of magnificence. Torun Center is the redefinition of a better life with specially landscaped floor gardens, apartment options with private balconies, and automatic glass systems equipped with Trickle Ventilation that offers clean air comfort.
Business and life in the same place
Excellent service
Torun Center has many delightful details, from a swimming pool to sunbathing and resting terrace. With 24/7 concierge services, 24/7 security, valet, technical service, closed-circuit camera system (CCTV), central heating and cooling system, it makes your life easier.
Delightful details
The two-story Torun Center Lounge, with its indoor and outdoor seating areas, children's playroom, private dining and TV lounge, promises unforgettable memories to you and your loved ones with its unique Istanbul view.
Neighboring to the most pleasant square of Istanbul
A few steps from the Torun Center Residences, you can reach the city's most modern city square and open the doors of a quality city life. Torun Center Residences brings together on the same project the long-awaited city life for Istanbul and gourmet restaurants, cafes, gym and SPA, and state-of-the-art cinema and Artı Stage, hosting the most famous plays of the season.
Located at the intersection of alternative public transportation options such as the metro and Metrobus, Torun Center comes to the fore as the most accessible office for both sides of Istanbul. With a central location and rich transportation lines, Torun Center offices make life easier for employees and increase productivity.
One FNG by Group 108 Sector 142 Noida Construction UpdateOne FNG
One FNG by Group 108 is launching a new commercial project in Sector 142 Noida. Office space and high street retail shops on the FNG and Noida Expressway. For more information visit the website https://www.onefng.com/
Scanning tenants in NYC requires a thorough and compliant approach to ensure you find reliable renters. For a positive rental experience, consider hiring a property management service. Belgium Management LLC specializes in NYC rental property management and tenant relationship management. We prioritize tenant satisfaction, making us a trusted name in New York property management. Our dedicated team ensures tenants feel valued and supported throughout their lease.
1. WORRIED
about Foreclosure?
HAFA MAY BE ABLE TO HELP
HOME AFFORDABLE FORECLOSURE ALTERNATIVES PROGRAM (HAFA)
2. Keeping families in their homes is a top priority for REALTORS® Unfortunately, it is not always
.
possible to meet this goal. While there are loan modification and other programs that can
help families, not everyone will qualify. For many families who are at risk of losing their home
through foreclosure, a new program from the Treasury Department may be able to help you.
I
n February 2009, the Obama Administration introduced the
Making Home Affordable Program — a plan to stabilize the
housing market and help struggling homeowners stay in their
homes. One of the possible ways to help families stay in their homes
is to modify mortgages to make them more affordable through a
program called the Home Affordable Modification Program or HAMP.
While many families have received help through HAMP, far too many
won’t be able to keep their home even with a loan modification.
For these families, the Treasury Department has established a
new short sales program called the Home Affordable Foreclosure
Alternatives Program or HAFA. HAFA is designed to streamline short
sales by providing a uniform process and standard forms, as well
as incentives for families and their mortgage servicers to complete
the process. It offers homeowners who sell their homes under HAFA
$3,000 to
$3 00 t help cover their moving costs. HAFA may be able to help
0
you thro gh th difficult process of selling your home and moving
through t
hro the
to another home.
o n her home.
not er me.
3. Benefits of HAFA
HAFA gives you several benefits:
• HAFA streamlines the short sales • You will be fully released from future
and DIL processes to make it easier liability for your first mortgage debt
for you to work with the servicer. (no cash contribution, promissory
• You receive a check for $3,000 note or deficiency judgment is
at closing to help with your allowed). Also, any junior lien holder
moving costs. who accepts a HAFA incentive must
also release you from future liability.
HAFA Eligibility
Mortgage servicers who participate in HAMP are required to see if you qualify for
a loan modification before deciding if you qualify for HAFA. To qualify for HAMP,
you must meet these basic eligibility requirements:
• The property must be your primary • The current unpaid principal balance
residence. may not be more than $729,750
• The first lien (your first loan on your (there are higher limits for 2- to
home) must have been originated 4-unit dwellings).
before January 1, 2009. • Your total monthly payment must
• The mortgage must be delinquent exceed 31% of your gross income.
or default must be reasonably
foreseeable.
Even if you meet these threshold requirements, the servicer must consider your
particular circumstances. Not everyone will qualify. Sometimes the owner of the
mortgage has rules that mean you or your home may not be eligible. That’s why
it is so important to work closely with the servicer.
IMPORTANT NOTE
Loans that are owned or guaranteed by Fannie Mae or Freddie Mac will be eligible under HAFA, but only
after they make changes to the rules to fit with their programs. Once these changes are issued, NAR will
let people know on www.REALTOR.org/ShortSales. HAFA does not apply to FHA or VA loans.
SUMMARY OF TERMS
A servicer represents the lender that now owns your mortgage. Ordinarily
Servicer
you send your monthly payment to the servicer and the servicer collects your
payments and maintains financial records related to your loan. If you are
late, they are the ones responsible for working with you to resolve the problem
if possible.
In a short sale, the servicer allows the homeowner to list and sell the mortgaged
Short Sale property even if the net proceeds from the sale turn out to be less than the total
amount due on the loan.
Generally, if the borrower makes a good faith effort to sell the property but
Deed-In-Lieu of is not successful, a servicer may consider a deed-in-lieu of foreclosure. With a
Foreclosure (DIL) deed-in-lieu, the borrower voluntarily transfers ownership of the property to
the servicer — provided the title is free and clear of other mortgages, liens and
encumbrances. Under HAFA, you will have no further responsibility to the lender.
4. HAFA Process
SERVICER/LENDER RESPONSIBILITIES YOUR RESPONSIBILITIES
The servicer must consider you within None
CONSIDERATION 30 calendar days after you do at least
one of the following:
1. Do not qualify for a trial mortgage
modification under HAMP.
2. Do not successfully complete the
HAMP trial period.
3. Miss at least two consecutive
payments if your loan was modified
under HAMP.
4. Request a short sale or deed-in-lieu
of foreclosure (DIL).
If the servicer has not already discussed You have 14 calendar days to respond
NOTIFICATION a short sale or DIL with you, it must either orally or in writing. If you do not
notify you in writing about these options. respond, this lack of action ends the
servicer’s duty to consider you for a
HAFA offer.
The servicer sends you a Short Sale You have 14 calendar days from the
SHORT SALE AGREEMENT Agreement (SSA) if it determines you date of the SSA to sign and return it
qualify for HAFA. The SSA must give to the servicer. Your real estate broker
you an initial period of 120 calendar must also sign the SSA.
days to sell the house.
The servicer, with your approval, may Within 3 business days of receiving an
PURCHASE OFFER extend the period you have to sell the executed purchase contract, you have to
house for up to a total of one year. sign and submit a completed Request
for Approval of Short Sale (RASS) to
the servicer.
Within 10 business days after receiving The closing may take place sooner than
CLOSING the RASS, the servicer must approve 45 calendar days if you agree.
or deny the request and advise you with
reasons for denial. If approved, the
servicer may require the closing to take
place within a reasonable period but
not sooner than 45 calendar days from
the date of the sales contract.
5. Find out more about HAFA
THE NATIONAL ASSOCIATION OF REALTORS® (NAR) has developed this brochure
to give you a better understanding of HAFA and how it may be able to help you avoid
foreclosure. NAR strongly encourages you to call your servicer if you are interested
in this program and want to find out if you qualify. You may also get free advice
from a HUD-approved housing counselor. The toll-free number is 1-888-995-HOPE.
They can answer your questions about HAMP, HAFA and other programs that might
help — and how they apply to you.
About NAR
THE NATIONAL ASSOCIATION OF REALTORS® “The Voice for Real Estate,”
,
is America’s largest trade association, representing 1.1 million members involved
in all aspects of the residential and commercial real estate industries.
Useful Links
NATIONAL ASSOCIATION OF REALTORS® – www.REALTOR.org
HouseLogic (NAR’s consumer website) – www.HouseLogic.com
Making Home Affordable – www.MakingHomeAffordable.gov
Short Sales Information by NAR – www.REALTOR.org/ShortSales
Fannie Mae – www.FannieMae.com
Freddie Mac – www.FreddieMac.com
May 2010