HAFA is a program designed for homeowners who are unable to afford their mortgages. These homeowners are at risk of losing their homes, even with loan modifications through the HAMP program. Under HAFA, homeowners may be able to avoid foreclosure by selling their homes through a short sale. There are certain conditions and restrictions as well as incentives that benefit the homeowner/seller. Consult a Realtor who is experienced with the short sale process or google for mrore information.