Can the government really help home owners from foreclosure? The guidelines create a path for a short-sale or deed-in-lieu of foreclosure for eligible borrowers for whom loan modification isn't a viable option. HAFA is a complex program, with 43 pages of guidelines and forms so. After reading the guidelines I find it very confusing but it does appear to have some meat in it, check it out. http://bit.ly/6hDrqb