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Housing Relief for Military Families

Reblogger Natalie Langford
Real Estate Agent with Realty Negotiations

Have you ever had questions on the Housing Relief for Military Families in the expanded Homeowners Assistance Program (HAP)? 

Margaret Woda, Crofton, Maryland Real Estate Agent and blogger extraordinaire,  wrote a recent post that blew me away!  She was gracious enough to allow other bloggers at Active Rain re-blog her post:


Original content by Margaret Woda

Military families stationed at Fort Meade, Andrews AFB, the U.S. Naval Academy and other military installations in the Crofton area and throughout the D.C.-Baltimore region will be glad to learn they may now be eligible for relief to their housing woes, compliments of the recent stimulus package.

Army coupleIt comes in an expansion to the Homeowners Assistance Program (HAP). administered by the Army Corps of Engineers.  The program was intended initially to assist military homeowners affected by base closings under BRAC 2005.  It has since been extended to help those affected by the credit and foreclosure debacle, and now it will also help  these service members:

  • Military personnel with PCS orders who are unable to sell their homes
  • Wounded warriors required to relocate for medical reasons, and
  • Surviving spouses of fallen service members  

The Department of Defense (DOD) will reimburse these individuals up to 95 percent of the loss if their home was purchased before July 1, 2006.  According to Military.com, DOD could also elect to purchase the homes for up to 90 percent of the fair market value.  (Here's my question:  “fair market value” at the time of their move or at the time they purchased the property?  It's not clear in anything I found on this topic.)

HAP Website


The Homeowners Assistance Program website has been updated to reflect these new programs, but indicates that DOD is in the process of establishing policy guidance on applicant processing and benefits. Until that time, you may download, complete and mail your application to the appropriate HAP district (Savannah for personnel on the East Coast). However, no action will be taken on the applications until final details are worked out.

If you are entitled to this relief, it could help you avoid the worst from this housing crisis and buy a home at your destination assignment.  That's good for you, the housing market, and our economy.

I'll watch for updates on this program and keep you informed, so check back often to the Maryland Real Estate Blog at www.mwoda.com.


Source:  Focus on Crofton, USACE.com, MOAA.com and Military.com

What's My Home Worth


Dinah Lee Griffey
Windermere Peninsula Properties - Allyn, WA
Managing Broker Windermere Peninsula Properties

Great info. I wish I could reblog it. I think I will post a link to the site. By the way congrats on the new Nephew-Carly and Will seem so happy!-Dinah Lee

Mar 27, 2009 03:39 AM
Natalie Langford
Realty Negotiations - Winchester, VA
Winchester, VA Real Estate

Hey, Dinah.  I'm sure you could reblog this if you go to the original post.  Margaret Woda is a brain!  I'm happy she's getting the info out there.    Per 'nother nephew, praying for his safety and health and for mama to have an easy delivery.  Thanks for stopping by!

Mar 27, 2009 04:55 AM
Kaera Mims
Liz Moore & Associates - Fort Monroe, VA
Associate Broker, e-PRO, REALTOR; Hampton, Newport News, York Co.

@Natalie: HAP is a great program and I am glad it is available for our servicemembers. Thanks for sharing the repost!

Mar 05, 2011 07:25 PM