Attention Short Sale Specialist.  Starting February 1, 2013, the Home Affordable Foreclosure Alternatives program (HAFA) will undergo some major changes that will speed up the short sale approval process, which is welcome news to all specialists nationwide!  One of the major changes is the requirement that servicers must make a decision on a borrower’s short sale request within 30 days.  Another major update which is certain to speed up the process is the “pre-determined hardship”.  Borrower’s who are 90 days delinquent and have a FICO score under 620 will have a pre-determined hardship.  More changes are coming too and we’ll keep you posted