Category : Blog

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The Refinance Process Couldn’t Have Been Easier

While we are best known for helping military families get into their dream home with a new purchase, our team is also able to assist you with refinancing. The EB family came to us to get some of the closing costs covered as part of our program during a refinance of their home. We are happy to say we were able to do everything we could to make them happy with the process!

A pleasant experience all around! This process couldn’t have been easier. When we first contacted MHAF, our MHAF agent took her time and explained the assistance process to us and answered all of our questions. We were then referred to a local mortgage lender, they were a great team!

They provided us with our new rate, submitted our necessary documents and closed earlier than expected. I’m happy to say that this organization helped relieve some of the stress that comes with refinancing a home. Again, a flawless process, we would recommend this grant opportunity to all our fellow military comrades.

Thank you, MHAF!! – EB


MHAF Was a Godsend

“We were a little skeptical at first due to some of the reviews out there, but I am so grateful we followed through with MHAF.” Sometimes we hear from families who at first think our program is too good to be true, but we are always proud to surprise and delight them!

MHAF was a godsend!

We were looking for mortgage approval through a couple other lenders and things were not going our way. We were a little skeptical at first due to some of the awful reviews out there, but I am so grateful we followed through with MHAF.

Honestly, I have no idea what those other reviews are talking about. Every part of the MHAF team that me and my husband worked with were phenomenal people.

They worked their hardest to help us into our dream home! Without MHAF none of this would have been possible at this time. We are forever grateful and trust and believe if we choose to go through the home buying process again we will be back with MHAF!!!!!

Raynor Family


Words cannot describe how ecstatic we are to finally be in a home

We were able to work with the Turner family to help them find their dream home, and as always, during the process our program was able to help assist with closing costs.

I want to send a heart felt thank you. Words cannot describe how ecstatic we are to finally be in a home. All thanks to you and your guidance. We really do appreciate all the work you do, especially during these different times.

We have finally renovated the upstairs of our newly acquired home(It was carpet and now it’s hardwood floors). Slowly but surely, this home is becoming our dream home.

Anyway, back to my sincere thank you. Words escape me on how much I appreciate your help in acquiring this home. I can not grasp the words to describe the feelings I wish to convey. 

From all of my heart. I pray for great success to you all. May good health and prosperity be with you always. 


Turner Family


I would recommend them to any of my veteran friends

We were glad to be able to help get Aaron into this beautiful home! See his full testimonial below.

Working with USMHAF was great! I was a little skeptical about the program at first, but they provided me a great loan officer and real estate agent.

Everyone that worked with me was fast to respond to any emails or calls, and they all genuinely seemed to be looking out for my best interest. I would recommend them to any of my veteran friends who will be looking for houses in the future.”

Thanks, Aaron M.


Learn How Our Program Works

Military Housing Assistance Fund was created in 2004 with a mission to help our nation’s military heroes with their home purchases. Since our founding, we have helped thousands of families get into their dream home, and in the process we have given out hundreds of thousands of dollars in gift funds to help cover closing costs.

Over the last 15 years we have recruited, interviewed and trained a national network of passionate, dedicated real estate agents and mortgage lenders who appreciate the sacrifices military heros and their families make for this great nation.

By having this network in place, we are able to specialize in the home purchase process for military members. Our entire team is assembled with the goal of providing you with gift funds to cover your closing costs.

Is MHAF some sort of scam?

Absolutely not. There are some misinformed, skeptical voices online who have asked if our program is a scam. We want to address their questions head on. Our program has helped thousands of families get into homes, and you can read testimonials directly from our happy clients here

We have developed a network of licensed, highly-experienced real estate agents and lenders who are a part of this program because they want to give back to our nation’s heroes.

How does MHAF work?

We have assembled a network of agents and lenders who are experts in negotiating for concessions on behalf of military members. They are strong, experienced and passionate about fighting for every dollar our nation’s heroes deserve during their home buying process.

This highly-experienced, and highly-specialized network allows us to connect you with a team who will do everything they can to secure closing cost assistance funds for you during your home purchase.

To get started, you must submit an application here. Then, you will have an orientation conversation with an MHAF agent, who will explain the full and complete details of the MHAF program. Once that conversation has been completed, they will move your application to the next step and assign your lending team to get the pre-approval process completed. Once the pre-approval letter has been issued, you will be assigned a real estate agent in the area in which you are wanting to make your home purchase. 

How do I get my money?

Your agent will negotiate the best price for your home and for concessions to be used toward your actual closing costs from the seller. The gift funds from MHAF will be given as a contribution toward the remainder of your actual closing costs. The mission is to get your actual closing costs down to a smaller, more manageable amount left for you to pay or down to $0 if possible. 

Keep in mind, our program is designed to return gift funds to you, in the form of a reimbursement check after a home purchase. Historically, when the funds have been given before the closing, if for any reason the transaction does not close, the funds have never been returned. Like any other real estate purchase, you will be responsible for down payments, pre-paids, inspection fees, and earnest money.

What money do I have to pay?

The program costs you nothing to utilize. The grant funds are free, never have to be repaid, and the services are completely free.

Once again, you will be responsible for down payments, pre-paids, inspection fees, and earnest money just as you would with any standard real estate purchase.

Our approved lenders will be very open and transparent with you about the costs associated with your home purchase, and any out-of-pocket fees you will have to cover during the home-buying process.

Can you guarantee that I will get a certain amount of money?

We are unable to give you an exact number for your free gift funds because every real estate transaction is different. However, our entire organization is designed to keep your out-of-pocket costs to a minimum and your financial benefit to a maximum during your home buying process.

We have a very high success rate of our clients not having to contribute any of their own funds toward their actual closing costs, but we cannot promise this with every purchase. In many cases, you can end up with surplus funds from MHAF with which you can do as you please.

What if I have bad credit?

While we can work with those who have credit issues, at the end of the day, it is important that you have the necessary credit capability that will allow you to qualify for a mortgage. Feel free to contact us, and you can speak with one of our no-pressure mortgage brokers about your situation.

What if I already have an agent or a lender?

Our program works because the agents and lenders in our network have been trained to give extra assistance to our nation’s military heroes. Your entire team is focused toward an end goal of lowering your out of pocket expenditure as we help you navigate the home buying process. 

As such, we cannot offer the same assistance and results if your real estate agent or lender are outside of our network and are not trained or approved to work with the program.

What is your affiliation with the military?

We are not officially associated with any part of the US military or with any government benefit programs. We were privately founded by a military veteran/businessman who wanted to give back to the military community.

However, we have been invited by the Secretary Of Defense to be members of ‘America Supports You’ program, which is a network of organizations that support military families. Our services are available to members of the military, guard, reserve, civilian employees of the military and Veterans.

Are you a non-profit?

MHAF is a fund of The Virtual Sports Academy, a 501 (c) (3) non-profit organization, formed in 2006 for exclusively charitable and educational purposes. The Virtual Sports Academy battles childhood obesity and educates the general public about health, fitness, and sports training through creating and providing professional sports training information and products at no cost to people of all income levels.

Through the Military Housing Assistance Fund (MHAF), The Virtual Sports Academy (VSA) is working to promote and assist home ownership in an effort to create strong, vibrant communities for our military families by inspiring lifestyle choices that encourage health and promote healthy neighborhoods and schools.

Thank you!

We appreciate your interest in MHAF! You can help us reach more of our military families by passing on the word about our program to a friend. This program is very beneficial to our military families and with your help, we can reach out to more of our soldiers who could take advantage of this assistance.