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Can I use HAP to sell my Crofton rental property?

HAP QuestionsQ.  When I got PCS orders to another part of the country, I rented my Crofton townhome.  Can I use the Department of Defense Home Owner’s Assistance Program (HAP) to sell the property, even though it’s no longer my personal residence?

A.  Yes, you can use HAP if the property is rented, provided it was your primary residence at the time of your PCS orders.  


There are some additional requirements, as well:

  1. Your permanent reassignment to a new duty station or home port must be outside a 50-mile radius of your former duty station or home port.  
  2. Your reassignment must have been ordered between 1 February 2006 and 30 September 2010.
  3. Your property must have been purchased before 1 July 2006.
  4. You must have a decline of at least a 10% home value from the date of purchase to date of sale.
  5. You must not have previously received these benefit payments.

In addition to active duty military personnel with PCS orders, HAP is also available to some civilian government employees, surviving spouses of military personnel, and wounded military personnel.

The best way for you to confirm your HAP eligibility is to download the application packet and complete the application.  Be sure to carefully read all instructions, complete your application, and then mail it to the HAP Field Office in Savannah, Georgia, the district responsible for Maryland.  It’s not necessary to wait until you have an offer on your home… in fact, it’s a good idea to get started right away even if your home isn’t on the market for sale yet.

You will need to know the current market value of your property, and that’s where I come in…  researching that information for you is a service I’m happy to provide without any cost or obligation.  Contact me by phone (301-346-2923) or email ([email protected]) if you believe you may be eligible to sell your Maryland home with HAP.

Posted originally by Margaret Woda
Maryland Real Estate Blog, 2/15/11


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