Short Sale Qualification
The main qualification for a short sale is that you owe more on your home loan than what your home is worth.

Secondly, you have a financial hardship. (Many lenders have dropped the required hardship explanation, however.)
Third, if your mortgage is owned or guaranteed by Fannie Mae and Freddie Mac, you could be eligible (*) for HAFA - Home Affordable Foreclosure Alternatives - program, if you meet all of the following criteria:
- You have a documented financial hardship.
- You have not purchased a new house within the last 12 months.
- Your first mortgage is less than $729,750.
- You obtained your mortgage on or before January 1, 2009.
- You must not have been convicted within the last 10 years of felony larceny, theft, fraud, forgery, money laundering or tax evasion in connection with a mortgage or real estate transaction.
*Eligibility criteria are for guidance only. We will contact your mortgage servicer to see if you qualify for HAFA.
Click Short Sale Information And Advisory for California short sales advisory.

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Realtheon / 5A Mortgage
167 N. White Rd. • San Jose, CA 95127
Tel +1.408.923.8951 • Cel +1.408.835.8811
DRE # 01356627. NMLS # 445911, 451705

San Jose, Silicon ValleyMilpitasCampbell, Cupertino

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