What Are HAFA and HAMP?

HAFA and HAMP Programs for Homeowners

Lake County HAMP attorney

There are government programs available for individuals, families and businesses that can demonstrate they are unable to make payments under a current mortgage. When you are overwhelmed by debts or behind on mortgage payments, it is important to have a clear understanding of your rights and options, including HAFA and HAMP (Home Affordable Mortgage Program).

I am Merideth Nagel, an attorney dedicated to helping my clients throughout Lake, Orange, Marion and Sumter Counties. With extensive experience in both debt relief and real estate, I am well aware of the implications of debt for homeowners. I will help you protect your rights and your investments as you make important decisions for your financial future.

Home Affordable Mortgage Program (HAMP)

HAMP is a federal program, established in 2008, that helps homeowners obtain loan modifications on a mortgage debt. It was established after the subprime mortgage crisis and is aimed at helping homeowners who are at risk of foreclosure reduce their monthly mortgage payments. I am an attorney for Home Affordable Modification Program in Clermont, and I can help you explore your options and protect your rights.

Home Affordable Foreclosure Alternatives (HAFA)

HAFA is a program that allows you to transition to more affordable housing if you can’t afford your mortgage payment. HAFA gives you the option of a short sale or a deed in lieu (DIL) of foreclosure. If you do not qualify for a short sale, HAFA will assist you with relocation assistance.

Under certain programs, the government will pay lenders to assist homeowners, and essentially, tax dollars will go to make payments on behalf of homeowners who are late on payments or unable to pay. Whether you qualify for these programs or not, you always have the opportunity to pursue a loan modification from a lender. As your attorney, I will review relevant documentation pertinent to your loan, assess your rights and help you negotiate the best alternative and resolution to your debt.

Contact a Bankruptcy Lawyer Today

As your attorney, I will never stop fighting to protect what is most important to you. To schedule an initial consultation with a Lake County HAMP attorney, call 352-394-7408 or fill out free case evaluation contact form today. We want to understand your concerns and provide the help you need immediately.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Serving West Orange County, Lake County, Sumter County & Marion County

  • TESTIMONIALS

    The more I get to know her the more convinced I am that she is the right attorney for me. The compassion and integrity I have seen is quite remarkable and I highly recommend you use her office to service… ~ Kelly,

  • TESTIMONIALS

    Ms. Nagel represented my wife and I in a bankruptcy case and also in a recent real estate transaction. I felt compelled to share our experience. Ms Nagel and all of her staff handled everything in a very professional matter… ~ Mike,

  • TESTIMONIALS

    Merideth Nagel has been a help to me, over the last 10 years, for multiple legal issues! As her client, and as a realtor who utilizes her real estate and title services, Merideth, along with her phenomenal staff, has afforded… ~ Tiki Jackson,

  • TESTIMONIALS

    “If it weren't for Merideth Nagel and her top-notch team of seasoned professionals, I shudder to think where my family would be today. At this firm, you are not a name, a face, a case number, or a quagmire. You… ~ Heather, Clermont

  • TESTIMONIALS

    “Merideth and her team have been a real blessing to me over the years! She helped me with real estate several times and estate planning. I can recommend her with full confidence!” ~ Nancy, Orlando

  • TESTIMONIALS

    “We utilized Nagel Law to assist us with a real estate transaction a little over a year ago. Merideth and her entire staff treated us with the utmost professionalism as well as eased our minds pertaining to this transaction. We… ~ Lynette, Orlando