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800 477-4747
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Telephone Michigan Consolidated Gas 800
942-5571
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248
347-0495
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Department 248-348-7100 Police Novi
Fire
Headquarters 248-349-2162
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Library 248-349-0720
45245 W 10 Mile Rd Novi Novi
Realtor
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Nigel Cook
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www.NigelCook.com Novi
Parks &
Recreation 248-347-0400
Novi 52nd District
Court 248-305-6460 48150 Grand
River Ave
Novi City
Hall 248-347-0456 45175 West 10 Mile Road Novi
Assessing 248-347-0485 Novi Treasurer 248-347-0440 If your mortgage payment is unaffordable and
you are interested in transitioning to more
affordable housing, you may be eligible for a
short sale or deed-in-lieu of foreclosure
through HAFA SM. The
benefit of a HAFA short sale is that you are no
longer responsible for the difference between
what you owe on your mortgage and the amount
that your home sells for. You will also receive
$3,000 in relocation assistance upon successful
closing of your
short sale. In a short sale, the servicer
allows you to list and sell the mortgaged
property with the understanding that the net
proceeds from the sale may be less than the
total amount due on the first mortgage.
or
deed-in-lieu of foreclosure. With a
deed-in-lieu of foreclosure, you voluntarily
transfer ownership of your property to the
servicer— provided the title is free and clear
of mortgages, liens, and encumbrances.
Generally, if you make a good faith effort to
sell your property but are not successful, a
servicer may consider a deed-in-lieu of
foreclosure.. You may be eligible to apply if you meet all
of the following: *Eligibility criteria are for guidance only.
Contact your mortgage servicer to see if you
qualify for HAFA. HAFA SM is
available for mortgages that are owned or
guaranteed by Fannie Mae and Freddie Mac or
serviced by over 100 HAMP SM
participating servicers.
A list of HAMP participating servicers can be
found here . If you have additional questions about
getting mortgage help, contact one of our
housing advisors at (888) 995-HOPE (4673). These
HUD-approved housing counselors will help you
understand your options, design a plan to suit
your individual situation, and prepare your
application. Research shows that homeowners who
work with housing counselors like these are more
successful and have better long-term outcomes.
There is no cost to you for this valuable,
around-the-clock service. Help is available in
more than 160 languages. Generally most online stores will allow in-store pickup! Twelve Oaks Mall JCPenney Generally most online stores will allow in-store pickup! Women's Fashions
(Twelve Oaks Mall)
Abercrombie & Finch
Aeropostale
Aldo Accessories
American Eagle Outfitters
Ann Taylor
Ann Taylor Loft
Banana Republic
Bebe
Bebe Sport Cache
Charlotte Russe
Chico's
Claire's
The Coach Store
Coldwater creek
Everything
But Water Express
Forever 21
Gap
H & M
Guess Heritage
1981
Hollister
New York & Company
PacSun
Ruehl Victoria's Secret
Talbots
Tall Girl Women's Shoes
(Twelve Oaks Mall)
Men's Fashions
(Twelve Oaks Mall)
Abercrombie & Finch Aeropostale
After Hours American
Eagle Outfitters
Banana Republic
The Coach Store
Express
Gap
Guess Heritage
1981
Hollister
President
Tuxedo & Clothier Ruehl Men's Shoes
Aldo Bachrach
Clarks
Specialty Gifts
Brookstone
Kohls
Macy's
OfficeMax
Office Depot
Radio Shack
Sears
Target
Wal-Mart
Armani Exchange Delia's
Florsheim Foot Locker Hottopic
Journeys Naturino Los Gatos
Limited Too Liz Claiborne Amazon Media & Communications AT&T Dish
Network GoToMyPC Pro
Clarins GoDaddy.com
Good Sam RV Emergency Road Service
GoToMyPC
Irobot
Kids Foot Locker
Lady Foot Locker
Liquidation.com
Lumber Liquidators Magellan's McAfee Michigan
Bulbs PromGirl Samsonite®
Shop.com
Stamps.com
Snowshack
Pet Online Stores Dog.com Dog Toys.com
PetCareRx 1-800-PetMeds Health Bodybuilding.com
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Cable TV / Internet / TelephoneHome Affordable Foreclosure Alternatives (HAFA) Program
Eligibility*
Program Availability
For More Information
Avoid Foreclosure: Know Your
Options
Watch a video to learn more about the Making
Home Affordable ©
Program and other options your mortgage servicer
may provide.
Your Graceful Exit
Watch a video to learn more about the Home
Affordable Foreclosure Alternatives Program.
Program Dates
Effective April 5, 2010 – Dec. 31, 2012.
Twelve Oaks Mall
(Novi) map
NORDSTROM
Lord and
Taylor
J. Crew
J. Jill
Jessica McClintock
The Levi Store
Lucy Motherhood
Maternity
Martin + Osa
Metropark
J. Crew The Levi Store
Martin + Osa
Metropark
PacSun
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Johnston & Murphy
Payless
Shoesource Rockport
The Walking Co.
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Godiva Chocolatier
Papyrus
Williams-Somona
Ace hardware Apple Store
Barnes
& Noble

DicksSportingGoods Jo-Ann
Kmart.com

eBay Overstock.com
CoolSavings.com
NetZero Internet
Apple
iTunes
AppliancePartsPros.com
Buy.com Cooking.com
Camping World
Only Natural Pet Store
PetSmart
Whole Food Vitamins & Natural Vitamin
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