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HAP Didn't Help
Last Post 04-21-2010 09:33 PM by VR SAM. 3 Replies.
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04-20-2010 12:14 PM QuoteQuote ReplyReply  

As this email exchange demonstrates (reproduced with the permission of Marcus), HAP fell way short of helping this deployed servicemember, now deployed to a combat zone.   We have a long way to go.  

Dear Marcus,    

First of all, thanks for serving.  We are very aware of the sacrifice you make to defend our country.  As retired military, taxpayer / citizen, I find it appalling that our elected officials will not address this inequity.   We ask so much from our Military Members / Families and throw so many resources at far less worth causes, that I simply can’t understand it and can only apologize for the insensitivity of our elected officials, and our population as a whole.  

You are clearly doing what you can at this point by writing every official you can touch.  I encourage you to do so again and again.  Ask all of your family members, colleagues, and every like minded friend to do the same until they listen.   I wish I could offer better solutions, but I can’t at this point.   I would like to ask if I could post this on our forum.  Will remove name / rank If desired (or just use first name, etc.).  Also, next month I am due to address an audience of Realtors, including members of the National Association of Realtors, whom I am hoping to convince to use their very substantial political clout to address this issue.   I would like to use our email exchange as an example of what is happening to thousands of military members just like you.  If desired, will not use your real name / rank, or any other parameters you desire.   I  believe this would be a very powerful example to reinforce my comments.  

I certainly appreciate your contacting me and will my best effort to help.  Are you OK with my offer?  Be safe.  

Joe Gladden 

Mr Gladden, I just read an article you wrote in Military.com and I wanted to write to you and say that the Hap Program as you stated ”Didn’t help me”.  I applied for benefits, was denied benefits because I missed the cutoff for purchasing my home by 28 days.  28 days is what disqualified me for assistance.  Now we are forced to sell our home in a short sale, and we face a $60,000 deficit that we actually will have to pay back over the next 20 years.  However there is some light I hope at the end of the tunnel.  Congresswoman Dina Titus is sponsoring HR 4324 a bill that will amend the dates and hopefully it will pass and I will get some relief. 

 

The reality of it all my house was purchased for $308K and was appraised for $345K.  I received PCS orders and when I went to sell it, it was appraised for $235K and I have been going through a short sale since May of 2009.  To make matters worse I am deployed to Afghanistan and I found out that my request for benefits was denied as well as my appeal.  I have attached the documents showing this as well as the Bill in legislation.  Just wanted to get your insight and maybe some advise.  I have contacted 9 congressmen and Senators regarding this with little feedback from them.  Hope to hear from you soon.

Warrant Officer Marcus Tanner

FOB Delhi, Afghanistan

 

Joe Gladden, (Captain, USN, retired), Realtor
homesformilitary@vrsam.com
O: 703 754-3036 C: 703 585-3305
http://www.vrsam.com
Tags: HAP didn't help
Jessica
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04-21-2010 12:04 PM QuoteQuote ReplyReply  
Mr. Gladden,
What can we do as military families to try and get this through? I have posted on here before and we are in a similiar situation. Bottom line is that we are approximately 100K underwater, we missed the HAP timeline by 52 days- and my husband, an active duty Army Major, is likely to either be PCS'd in the next 9 months or he is going to have to volunteer for a 4th deployment to Iraq or Afghanistan to keep us here. I was also an officer for 7 years and deployed twice, so if he deploys again- this will be our families 7th combat deployment to Iraq/Afghanistan. We are in the same situation as many others- both of us with TS clearances- can't afford to lose them, never late on a mortgage payment- and praying desperately for a ray of light in this mess. Someone has to help us. Having to move is not a choice that we make. We are proud to serve our country and terribly embarrassed by the financial mess that we feel we are in. Please- help guide us through this mess. I am considering contacting our lender to see if there is anyway we can modify our loan- but based on everything I am reading- that will not be a viable option. I also read the post regarding HARA and short sales and I am not entirely clear on that issue either. Any and all advice you can give us is appreciated.
Jess
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04-21-2010 12:08 PM QuoteQuote ReplyReply  
My apologies- the posting I mentioned above is actually in regards to HAFA and short sales.
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04-21-2010 09:33 PM QuoteQuote ReplyReply  

Jessica,  You shoudln't be embarrassed.   We (collectively citizens) should be embarrased and ashamed that our service members are in this situation.   Before I go further, please know that all of us at VR SAM sincerely appreciates yours, and your husbands service.   We all owe you an answer.  That said, I don't have an easy one.  But here are my suggestions:

If you have a VA loan, please see the new post "What is a VA Compromise Sale" in this forum. 

You may want to email or call Dave Bryan, an expert in short sales / loan mods.  He is more than willing to do a free consult and may shed light on your options.  dbryan@hhfnd.org, (540) 219-1159

Finally, please...please write, call, have all your friends / family do the same, over and over to our elected officials.   Don' t let up.  Call them every day!   I

I am hoping to convince the National Association of Realtors that they need to use their political clout to help get this fixed.  

Please email me so I can get your email address and cc you on my correspondence with them.    homesformilitary@vrsam.com

Hang in there, and please keep us posted. 

Joe

Joe Gladden, (Captain, USN, retired), Realtor
homesformilitary@vrsam.com
O: 703 754-3036 C: 703 585-3305
http://www.vrsam.com


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