If you haven't heard yet, there's been a big change in the housing market. Homeowners are now being offered $3,000 to avoid the foreclosure process through a short sale or deed-in-lieu of foreclosure.

This development comes through a new program called Home Affordable Foreclosure Alternatives (HAFA). It adds even more of an incentive to avoid the foreclosure process—a route that already has strong reasons to pursue.

When I meet people who are struggling to make mortgage payments, too often they think that foreclosure is their inevitable destination. The truth is that foreclosure is also a very costly process for the lender. If they can avoid it, they will.

With HAFA, homeowners are ensured a quick short sale process and they're guarded from being pursued by the lender for the remaining mortgage debt once the short sale or deed-in-lieu has been completed.

I have a free report available to download at www.tcrshortsale.com that explains exactly how HAFA can help those with unaffordable mortgages. If you know anyone in this situation, share this resource with them so that they can get their full range of options.

For immediate assistance, don't hesitate to contact me. I have been trained in how to find the best possible solutions for distressed homeowners.

I'm here to help.

Rob Davis I www.twincitiesrob.com