The #1 one reason people are opting out of HAFA is that they have to start making payments typically at 30 percent of what they are earning. For those that don’t make any money at all this is not a problem. Many others simply aren’t interested because of the additional burden of paperwork that is required and the long way to be even be considered for a HAFA short sale. . . . → Read More: Why are Westlake Ohio short sale sellers not choosing HAFA?