HAP - Save Our Military From Foreclosure!

Real Estate Broker/Owner with Rulnick Realty, Inc.


HAP has done it again!  I recently wrote about the military's Homeowner Assistance Program that is supposed to help our United States service members. When they have orders to relocate, or pcs, to a different military base, the newly expanded HAP would to cover up to 90% of the loss in the service member's upside-down mortgage.  That would be wonderful, because many of our airmen, soldiers, marines and sailors purchased homes that are now worth less than the mortgage balances.  The HAP program would probably save them from foreclosure or short sale.

HAP has provided NO assistance since the initiative was expanded by the American Recovery and Reinvestment Act of 2009 that became law this February.  HAP has continually removed information from its website. They have thousands of applicants awaiting help. They have done nothing.  And now it's worse.

Just this morning, I was notified by Don Duft, a fellow Realtor serving military, that HAP HAS COMPLETELY REMOVED ITS WEBSITE.

HAP EglinFriends, this is OUTRAGEOUS!  Last time I wrote there is no help from HAP, now they are completely missing.  It is time to take action!  Don has shared a draft letter that I modified for your use. You may customize it to write your Senator or Congressman to do something to help our military members.  Tell them HAP is TOO LATE to help thousands who have orders to pcs.  Action must be taken NOW to support the men and women who defend us every day!

Honorable Senator or Congressman________


As Realtor working with Veterans and United States military members it appears that the DOD Homeowners Assistance Program is not responding to those authorized to be assisted in the 2009 Stimulus bill – those Active Duty Military in a Permanent Change of Duty Station (PCS). The 2009 PCS season is at its peak and the DOD does not have the rules issued by which an applicant can benefit. In fact, nothing has been done.


It is time that you step in to intervene for these deserving Active Duty Military members so they can complete their PCS move assisted by the program the Senate and House crafted and was signed into law.  These brave men and women do not deserve foreclosure or ruined credit, while defending our nation. It is not encouraging and when you call it is even more discouraging.




You can find your Senators here and your Congressmen here.  Please do what you can and take a stand to help those who help us.


It's Wendy!

Wendy Rulnick, Broker, CRP, CRS, GRI, ABR     Rulnick Realty, Inc.  850-650-7883

Eglin AFB and Hurlburt Field FL Real Estate

Short Sales & Pre Foreclosure Help for Eglin AFB and Hurlburt Field.

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Email Wendy to sell your home or buy a home: itswendy@rulnickrealty.com

Call Wendy Rulnick, Broker/Owner, to list and sell your home or condo on the Emerald Coast of Florida in Walton, Okaloosa and Santa Rosa County-  Destin, Santa Rosa Beach, Fort Walton Beach, Niceville, Bluewater Bay, Navarre, Seagrove Beach, Watercolor, Sandestin, Seaside, Crestview, Rosemary Beach, Mary Esther, Shalimar, Eglin AFB, Hurlburt Field.   Wendy is a short sale and pre-foreclosure specialist and has been featured in "Kiplinger Personal Finance Magazine" and "Florida Realtor Magazine".

Comments (8)

Laura Giannotta
Keller Williams Realty - Atlantic Shore - Little Egg Harbor, NJ
Your Realtor Down the Shore!

Will forward to my reps...also reblogging and flagging for feature.  Come on Rainers let's get this done!

Jul 24, 2009 01:56 AM
Wendy Rulnick
Rulnick Realty, Inc. - Destin, FL
"It's Wendy... It's Sold!"

Laura - Thank you I am steaming mad about this!  I get emails or calls almost every day from the airmen at Eglin AFB and Hurlburt Field looking for a crumb of HELP From HAP and NOTHING!!!

Jul 24, 2009 01:59 AM
Bill Gassett
RE/MAX Executive Realty - Hopkinton, MA
Metrowest Massachusetts Real Estate

Wendy that is really too bad. What is the problem...lack of funding?

Jul 24, 2009 05:58 AM
Wendy Rulnick
Rulnick Realty, Inc. - Destin, FL
"It's Wendy... It's Sold!"

Bil - I doubt it is funding, as the stimulous bill should have funded it.  It may be lack of direction.

Jul 24, 2009 06:11 AM
Bryant Tutas
Tutas Towne Realty, Inc and Garden Views Realty, LLC - Winter Garden, FL
Selling Florida one home at a time

Wendy this is really pitiful!!! These military folks deserve our suppost. Thanks for posting this.

Jul 24, 2009 11:45 AM
Eric Reid
Renaissance Realty Group of Keller Williams Atlanta Partners - Lawrenceville, GA

clearly this is crazy .. a clear signal why Government does not ask for customer feed back on service

Jul 25, 2009 02:32 AM
Erik Hitzelberger
RE/MAX Alliance - Louisville REALTOR-Luxury Homes - Louisville, KY
Louisville - Middletown Real Estate

What a shame!  If any home's value deserves to be protected it is a military home.  These men, women and families have no choice.  They can't simply wait until the market turns.  I can't imagine the frustration of having to go through a short sale or foreclosure not because you can't pay your bills or couldn't wait it out, but because the government demands you move. 

Jul 25, 2009 02:12 PM
Jeddy Ruiz
Golden Real Estate Solutions - Pensacola, FL

Hello Wendy & all concerned Realtors,

Thanks for bringing this to our attention & I am personally requesting that you send letters to your Congressmen as Realtors. I will send one as a Retired Marine Corps Officer.

It is crucial that our Military Members are helped & they do not go thru a foreclosure. When that happens, then it is very likely their Military Career will be ended. For any serving Military Member, each must be able to obtain a security clearance. Without a security clearance, one cannot serve.

A Short Sale will not end a Military Career unlike a foreclosure.

Good Luck & Thanks again to all of you.

Semper Fi!!!

Jeddy M. Ruiz
US Marine Corps (Retired)
Real Estate Investor, Certified Distressed Property Expert (CDPE)
(850) 497-9678

Aug 14, 2009 02:46 PM