Rumors and Innuendos-Answering a Few Questions about DoD HAP Benefits

Recently I’ve found myself answering a number of calls from around the country about the Department of Defense Homeowners Assistance Program (HAP).  The issue?  Rumors that it will take 6 months to close a deal, that HAP has to ratify the buyers contract, that active duty military families buying a HAP listing get extra incentives and so many more.

Now the real experts on the DoD HAP program are the real estate specialists in the 4 regional offices throughout the country.  However after working with a number of military families in the Northern Virginia area list and sell their homes I’ve gotten a solid education on the process and an appreciation for the hard work that the staff at the regional offices are doing to process thousands of files.

So here are the answers I’ve learned in working with the program to help dispel some of the rumors and innuendos:

In the beginning before the program was fully approved and funded it did take 6 months to close a deal.  Today with funding, staff and processes in place my deals have been closing in a 60-75 day range.  This may vary depending on where your home is located and the date of your PCS orders but for my deals it seems to be a solid estimate.

NO-HAP does not ratify the contract.  The seller ratifies the contract. HAP processes the application and benefits.  There are eligibility requirements for the program that a seller must meet and the home must be sold at Fair Market Value.  The seller’s lender is not required to approve the sale as the loan is paid in full at settlement.  All within 30 days of them first contacting me about the program.

NO-there are no special incentives for another active duty family to buy a home being sold with HAP benefits. 

NO- military families do not pay tax on the amount of the benefits they receive.  This was removed as an amendment at the end of 2009.

NO-HAP sales are not short sales.  If a family sold their home as a short sale prior to the program implementation they can apply to HAP for retroactive benefits.  Consult your HAP region to discuss the process.

I’m sure other agents across the country may also have answered a number of these questions and more.  If so please add your information to the list.  Please no more rumors and innuendos.  The HAP program is working and more military families need to know that it exists and not have their sales derailed by incorrect information.

Recently a Prince William County family that had their home under contract as a short sale for 6 months contacting me about the program.  They were frustrated and visible upset by trying to get their short sale approved.  After talking over their situation they learned they were eligbile for HAP benefits,  a buyer  expressed interest in the home and the sellers ratified the contract.  We learned this week, 30 days after submitting the application, that the property will settle in May. 

If you are a military family living in Northern Virginia and qualify for DoD HAP benefits give me a call at 703-346-2213.  Let me show you how I’ve helped multiple families in area get their homes SOLD with the assistance of HAP benefits.

Note:  The Department of Defense HAP program is administered by the United States Army Corps of Engineers.   The program was expanded as part of the 2009 American Recovery and Reinvestment Act of 2009 (ARRA) to include PCS families, wounded warriors and surviving spouses.

                                   Real People*Real Lives*Real Estate

If you are interested in learning more about the Northern Virginia Real Estate market including Alexandria, Arlington, Fairfax and Prince William Counties give Cindy Jones and Integrity Real Estate Group a call at 703-346-2213.

Military Relocation Specialist serving military families relocating to and from the Pentagon, Fort Belvoir, Quantico MCB and all of the Military District of Washington installations. 

Military Relocation Professional

Check out www.varealestatetalk.com and www.cjrealtygroup.com for more information.

Integrity Real Estate Group
Real People*Real Life*Real Estate

Licensed in the Commonwealth of Virginia



Comment balloon 9 commentsCindy Jones • April 16 2010 08:54AM


Great info and many clarifcations on this program...you are a wealth  of knowledge in this area!  Great job!

Posted by Kristin Johnston - REALTOR®, Giving Back With Each Home Sold! (RE/MAX Realty Center ) over 8 years ago

Kristin-I've spent a lot of time on these transactions and want to make sure that other agents and HAP eligible families have an understanding of how the program works.

Posted by Cindy Jones, Pentagon, Fort Belvoir & Quantico Real Estate News (Integrity Real Estate Group) over 8 years ago

Fantastic explanation of a little known program outside of military areas.

Posted by Loan Survivor Real Estate Financing Expert (Purchases, First Time Buyers, Pre-Approvals, Refinance) over 8 years ago

Drew-living in a military rich area such as Northern Virginia understand this program has been a great help to my business this year.

Posted by Cindy Jones, Pentagon, Fort Belvoir & Quantico Real Estate News (Integrity Real Estate Group) over 8 years ago

Great job Cindy, ir is important that those actually doing the work dispell any rumors out there. It sounds like you do a number of these, (no wonder your location) and are a source for knowledge in this arena...best of luck

Posted by Gerry Michaels, GettysburgGerry Social Meida (Glasswork Media Arts) over 8 years ago

Hi Cindy,

Thanks for doing a great job of explainng the facts about the program.


Posted by Lorraine Santirosa, #1 San Diego Military Relocation Expert! (Mission Realty Group) over 8 years ago

Gerry-I've closed and am in the process of closing more of these deals.  I'm surprised the WRONG information that is floating about the program.


Lorranine-thanks I'm just trying to fill in the blanks.  The United States Corps of Engieers are doing a monumental effort in working with thousands of files.

Posted by Cindy Jones, Pentagon, Fort Belvoir & Quantico Real Estate News (Integrity Real Estate Group) over 8 years ago

Great info... as we are seeking out information, we are struggling with finding true facts and how to proceed. Actually, I have to say... I learned more here than on the actual website. Thanks for sharing!!!

Posted by Dianne Hicks (Realty ONE Group) over 8 years ago

Dianne-the website is fairly generic as it has to cover a wide variety of information.  Once you start working with the files you learn a lot more about how the process really works.

Posted by Cindy Jones, Pentagon, Fort Belvoir & Quantico Real Estate News (Integrity Real Estate Group) over 8 years ago

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