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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. These concessions will be paid to you after your home purchase in the form of gift funds you receive from MHAF and will help toward covering parts or all of your closing costs.

Keep in mind, our program is designed to return gift funds to you, in the form of a reimbursement check after a home purchase. 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. 


Couldn’t Be Happier

We are incredibly happy to work with families like the Guzmans who were able to move into their new home with $0 due at closing. If you are active or retired military, get in touch with our team to learn how you can get assistance to cover your closing costs!

“We are the Guzmans, recently retired from the United States Army. We had a great experience with MHAF. My MHAF agent assigned us a lender that took care of us and gave us a quick approval.

They also assigned a amazing Real estate agent with the Dallas Ben Kinney Team. We closed on our house on February 4th, 2020 our agent was Elizabeth, as a team they got us $0 at closing!

Everyone on the team helped us accomplish this goal and worked so hard on everything and always put our needs first!

We couldn’t be more happier with the outcome and we are so grateful to have MHAF, Morgage team and Ben Kinney Team Dallas to help us through the process! We have already started recommending MHAF to other friends that are Veterans.

The experience we have couldn’t have been better we are forever grateful that they made this goal happen!”


Guzman Family


Fighting the Good Fight

Ay MHAF, we always do what is best for our clients, and we fight for them to get into their dream home. It’s a pleasure to work with such amazing families and help them get assistance with their closing costs. Remember, cute baby pictures are always welcome 🙂

“….The entire lending team assigned to us and our REALTOR, Shelly, were an absolute pleasure to work with. From start to finish they fought the good fight and helped me ensure we were doing what was best for me and my family.

Nicole from our lending team and Shelly were always available for questions, and to help on my behalf when presenting information to the underwriter or the selling agent when repairs needed to be completed prior to closing to be in VA Loan compliance. They got it done, even when our new home was originally set as an as-is sale.

My family has found our dream home, and it’s all because of the team assigned to us by Military Housing Assistance Fund.

Thank you for everything!”


Mayle Family

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7 Home Buying Tips Every Veteran Needs to Know

Veterans’ Guide to Buying a Home in Short Sale

Many viable properties become bank-owned when homes are surrendered or foreclosed upon. Also, financially-distressed homeowners who are struggling to pay their mortgage and/or are “underwater” – meaning, they owe more on their mortgage than their home is worth – need a way to sell their property and it comes time.

A short sale is a way these properties get transferred to new owners. Often, the new owners get an unbelievable deal. More often, potential homeowners get tripped up in the short sale process and waste time and money chasing their dream.

Here’s a guide to the short sale process taking into consideration the financing opportunities available to veterans.

What is a Short Sale?

A short sale is a sale of real property for less than the total amount in liens. Simply put, the property sells “short” of its encumbrances.

Why Would I Buy a House at Short Sale?

Often, distressed properties become available at the short sale that would otherwise be too expensive for the buyer pool attracted by the short sale price. There are some deals to be had, certainly.

How Do I Buy a House at Short Sale?

First, you have to identify potential short sales.  This can be done easily by contacting a local realtor, identifying the neighborhood or school district you wish to purchase in, and establishing the size and type of property you want (single-family? How many beds/bath? Lot size?).

Next, tour potential properties with your realtor.  Take notes.  Compare and contrast the available properties that meet your parameters.

Then, do some research. All liens and mortgages on real property are a matter of public record, so you should look them up. Look up the tax history and whether there are any boundary disputes, easements, or underground oil tanks on the property.

Once you’ve decided which property you want to put a bid (or bids) on, the next steps are to secure financing and make an offer to the lender who owns the property.

Financing a Short Sale for Veterans and Active Duty Military

Veterans are eligible for VA home loans, which require no initial down payment, offer favorable interest rates, and are easy to qualify for. VA loans are issued by private lenders and guaranteed by the U.S. Department of Veteran Affairs (the VA). For this reason, those holding VA home loans are not required to take out private mortgage insurance.

The disadvantage of a VA loan is that there are guidelines and requirements a property must meet to be eligible for VA loan financing. A VA appraisal must be done to see if the property meets the “Minimum Property Requirements,” or MPRs, which include:

  • All mechanical systems such as heat, electric, and plumbing, must be safe and usable;
  • The roof must be in good repair;
  • Crawl spaces and basements must be dry;
  • No termites, dry rot, or fungus;
  • No lead paint.

Your real estate agent should be able to help you find homes that meet these requirements and steer you away from those that do not.

The Downside of Short Sales

Slow Response from Lender:  Short sale negotiations between a potential buyer and a lender can be protracted and negotiations often fail and the deal falls through.

Condition of Short Sale Property:  Short sale properties are sold “as-is” and many do not meet the requirements for a VA loan. A buyer making repairs to a home prior to purchase in order to secure VA approval takes the risk that the purchase falls through.

Mortgage Interest Rate Changes: Even if the property meets VA home loan standards, a lender may take 60 days or more to respond to a buyer’s offer, during which time mortgage interest rates may go up, or down.

Is a Short Sale Right for Me?

If you are a veteran looking to buy a house and are willing to tolerate a long negotiation process and the risk that your offer will not be accepted, that the deal may fall through, or that interest rates may rise while you wait for the lender’s decision, you can take advantage of the steep discount a short sale can offer. If you are risk-averse or otherwise cannot wait to purchase a home, a short sale is probably not for you.

About the Author

Veronica Baxter is a blogger and legal assistant living and working in the great city of Philadelphia. She frequently works with busy Philadelphia bankruptcy attorney David M. Offen, Esq.