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The Treasury just put out a new report with the latest HAFA and HAMP statistics through February 2011. Personally, I find all of the statistics in these reports extremely interesting for a few different reasons.
For one, HAMP (the Government’s loan modification program) has such a low success rate. To me, all failed modifications are future short sales, (and everyone knows that I love short sales). Second, I constantly hear about HAFA certification programs. Heck, I’m HAFA certified myself. But, what does it mean? Is the certification really worth the cost of the program? Are enough borrowers participating in this program that it makes the certification necessary? (You be the judge.
In any case, here’s a summary of the good stuff in the Treasury report—in case you do not want to read it from cover to cover (my comments in italics).
More than 630,000 modifications have been started through HAMP.(Started doesn’t mean finished, and we all know that the banks are notorious for unsuccessfully pushing paper.)
4,488 HAFA transactions have been completed.(This refers to both short sales and deeds-in-lieu of foreclosure.)
The report sites the following causes for borrower ineligibility: insufficient documentation, ineligible borrower (not meeting income guidelines), and ineligible mortgage (non-participating investor). You may recall that not only does the servicer need to participate in the program, but the investor note holder needs to participate as well. Additionally, if a property has two liens and the seller wants to participate in HAFA, the second lien holder needs to agree to participate and receive $6000 and release the borrower of any future liability for the debt.
Tomorrow HAFA will have its first birthday. 4,488 successful transactions—that’s just not enough. Some babies can walk and talk by their first birthday and others are not developmentally ready to do so. It seems that HAFA falls into the second group. Maybe HAFA will be further along by the second birthday.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.