Everything changed on June 1, 2012. Short sales dominate many residential real estate markets, and now the federal government program (HAFA) will dominate short sales at every major lender. Short Sales 2012 is the consumer's version of the federal Making Home Affordable Foreclosure Alternatives (HAFA) short sale program, and includes all revisions effective June 1, 2012. Underwater sellers and their agents must understand HAFA or risk delays, lost incentive payments, and possible foreclosure. Even buyers and their agents need to understand the specialized world of short sales. Short Sales...