Dod HAP Program, Should a Seller Bother with an Appeal

Real Estate Agent with Century 21 New Millennium

As I stated last week, my HAP listing finally went to settlement.  I now have a very grateful seller, a happy buyer, the buyer's relieved agent and of course, me, the listing agent.  So now my phone is ringing, and I am being asked about the Homeowners Assistance Program, known as HAP. Seller's are asking "who, what, when and how" and a great big "What If".  What if I paid more than the allowable costs for the house? Can I appeal?  Is an appeal a waste of time?  My answer is a resounding "NO", and appeal is NEVER a waste of time for anything outside of actual eligibility dates. 

My advice to these sellers is if you are outside of the HAP box due to the price that your originally paid for your home, especially living here in Northern Virginia, and our high cost of living, APPEAL It.  It will take some time but maybe worth your efforts in the end and you may just end up as another grateful HAP seller.

Comments (3)

Gene Allen
Fathom Realty - Cary, NC
Realty Consultant for Cary Real Estate

I have done one HAP listing and it closed with the seller bringing his own money to the table and getting reimbursed later.

Jun 29, 2010 03:43 PM
John Cameron
VITUS Realty, LLC - Seattle, WA
Real Estate Investing Seattle Tacoma

I am closing 2-3 HAP transactions a month.  I am usure of what the question of "paid more than the allowable closing costs for the house" means.


There is no outside the box based on price of home, only if it's in an area that hasn't decreased by the 10%

Jul 02, 2010 02:47 AM
Micki Lyons
Century 21 New Millennium - Centreville, VA

Yes, there is a cap on the maximum price that can be paid for a home. For example, where I live in the Northern Virginia area, the maximum allowable original price that a person who hopes to benefit from HAP can pay for his/her home purchase is $729,500.  There also must be a 10 percent decrease in the area and in original home value.  Part of the expanded HAP.


Jul 02, 2010 03:37 AM