MOS Group, a loss mitigation service provider, expanded its services to include short sales and deeds-in-lieu that comply with the Home Affordable Foreclosure Alternatives (HAFA) program. The Treasury Department launched HAFA in April to provide incentives to servicers for conducting short sales and deeds-in-lieu of foreclosure. MOS Group, based in Irvine, Calif., made additions to its employee training and technology platform to usher borrowers through the short-sale and deed-in-lieu process. Borrowers must qualify for the Home Affordable Modification Program (HAMP) and fail the trial period before consideration for the HAFA program. MOS Group said it could conduct borrower outreach from the initial denial of a modification through the final liquidation of the property by providing a single-point of contact for the servicer. “The process of transitioning borrowers from the hope of securing a loan modification to the reality of letting go of their homes through a short sale or deed-in-lieu is a sensitive one,” said Greg Hebner, president of MOS Group. “Even more so than the HAMP process, HAFA transactions require not only efficient and structured methodology, but also compassionate and empathic communication.” MOS Group worked with more than 250,000 borrowers in the HAMP process to complete more than 60,000 permanent modifications, 20% of the roughly 300,000 reported in April. Write to Jon Prior.