As part of The American Recovery and Reinvestment Act of 2009, the Homeowners Assistance Program (HAP) was expanded to include military personnel who are PCSing and owe more on their home than current market value. The HAP program allows military members to sell their homes at fair market value and HAP covers 90% of your loss. This sounds like a great benefit. However, the program is not equally distributed among everyone nor is it equal between the three HAP offices. In April of 2010, I...read more

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