Link to find out if a lender is in the HAFA Program
The above info sounds like short sale will probably be the primary sale in real estae. The process does tone down unreasonable homeowners who might trash their home due to stress and frustration of loosing their home, if they don't get some help or responds from their lender(s). I am assuming working with the homeowners on their distressed property will help them realize they need to go due to lack of income or not enough income to keep the home.
Excellent HAFA training is at http://www.assetplanusa.com/