Military Homeowners Assistance Program Part II
Mar 16 2009
Here’s a bit more info on the Homeowners Assistance Program. More to follow:
Q: Where can I apply for the military’s Homeowner Assistance Program (HAP) referenced in the American Economic Recovery Act (Stimulus Bill)?
A: The Homeowner Assistance Program or HAP is managed by the US Army Corps of Engineers. They are awaiting guidance from the Defense Department before the Army Corps of Engineers can start processing applications; however, they are accepting applications. Military members can find information on the application process on the Army Corps of Engineers website at: http://hap.usace.army.mil/.
Q: What are the benefits of the HAP?
A: Members can choose from one of these payments:
- The difference between 95% of the prior Fair Market Value and Fair Market Value at the time of sale, or,
- An amount not more than 90% of your home’s prior Fair Market Value or the amount of the outstanding mortgage.
Q: What is “prior Fair Market Value” and “Fair Market Value”?
A: We have to wait to see the DoD regulations to be sure how they define prior and current fair market values under the various categories of eligibility.
Q: When will my application be processed?
A: DOD is in the process of establishing policy guidance to expand the HAP. Potential applicants should download and complete the application and then mail it to appropriate HAP districts. But the Corps of Engineers won’t taken any action on the applications until DoD guidance is published.
Q: What are the eligibility criteria?
A: There are three major categories of eligible personnel:
- military personnel who have purchased a home before July 1, 2006 and have PCSed or have PCS orders;
- wounded warriors who have been retired for disability and relocated; and
- surviving spouses of service members killed in the line of duty during a deployment or died from a wound, injury, or illness incurred in the line of duty during such a deployment on or after 11 September 2001.
More specific criteria can be found at http://hap.usace.army.mil/.
Q: I’m scheduled to move this summer. Should I sell my home? Will I qualify?
A: Any answer would be pure speculation without specific guidance from DoD. We recommend you contact the appropriate HAP field office at http://hap.usace.army.mil/Contact.html to discuss your unique situation.
Why does the home have to be purchased before 1 July 2006? Who sets these guidelines?? I’ve puchased my house Feb 2008 and I’m in the same boat! Why can’t I get any assistance?
Picking a date to start any program is a bit of a shot in the dark. No matter when is selected, people will be left out.
The history is that a date had to be established to limit program access/$$. After consulting with numerous sources, Congress dtetermined July 2006 as the date based on when the housing market slide became visible so to speak. It was believed that people who bought after that date had warning/knowledge of the slide. Whether this is actually true in every case is questionable.
We don’t see this date changing because it would literally take a change to the law and that would take a substantial reason. Sorry it didn’t work out for all.
How does this effect retirees. I retired on 31 July 2006, but remained on active duty as a retiree recall (will retire for the second time on 31 July 2009) will I be eligible for this program? My wife and I have relocated from our location to the DC area and are now paying for two homes.
You’ll need to check with the Corps of Engineers. See the web site referenced in the article or contact your local base office.
How will “Fair Market Value” at time of purchase be determined (or has that been established yet)? Is this read as the purchase price of the house? Thanks!
Check the 26 Feb blog post on the Housing Asst Program and see Matt’s comment.
I think it is completely unacceptable to say “sorry it didn’t work out for all” It is utterly unfair to pick July 1, 2006 as a “cutoff date”. You can’t tell me there was full warning at that time that the market was going to plummet the way it did. At the time we moved in 2007, if we had any idea we would lose what we have lost, we would NEVER have bought. There must be someone to write or petition.
I agree Pam, it is an unacceptable statement.
I am going through a change of station right now, and I am quite concerned as to how I will be able to make ends meet if I cannot sell or rent my house. I’m literally loosing sleep and my stress is at unprecedented levels.
…but, the guy sitting right next to me, who is moving at the same time as me, bought his house 6 months prior to when I bought mine (before the cut off date). He’s nice and relaxed and really looking forward to his move.
This needs to change, period. I have too much to loose by getting into financial turmoil, while those who can do something stand by saying, meh, we can’t help you because it’s too much trouble and your reason isn’t “substantial”. What?? It’s for the exact reason the program was implemented!!!!!!!!!!! Any PCSing service member who owns a house is in the same sinking ship, especially (and moreso) the ones who bought their home after this date. Must be nice to get to choose who gets life vest and who doesn’t. But before choosing, remember who stands to get hammered the most. The ones with maybe a little equity built up, or those who owe more now from a recent purchase. The latter stand to fair far more worse than those who might be able to weather a bad beat. But, since we obvisiously lack the ability to see into the future, go ahead leave us out. Sooner or later, you can weed us out of this obvisiously gifted bunch who bought their home prior to this date.
Let me cool down my prior statement. Every person’s situation is unique, and some stand to lose more than others regardless of when they purchased their home.
The cut-off date is certainly a hang up for a lot of folks who find themselves in this situation due to a permanent change of station.
In the mean time, I’ll continue to write my congressman urging a change to the date.
I have heard several rumors that the current funds that have been allotted for HAP is barely enough to cover our wounded warriors which I think they should have priority. Have you heard of anything that the funds may be short and if so, any possible potential of additional funds since the program spans up to 2012?
We closed our our house Aug 2006. The market had NOT gone down in Tampa, FL at that point. There was NO base housing – not a wait, but none offered. We bought rather than pay ridiculously high rent prices. Now demand has plummeted, houses are in forclosure all around and rent prices are extremely deflated. We can’t sell, and we can rent our for only half of our costs. And we are PCSing to Japan in 2 months!
What gets me most? I am sure the politicians who set the ridiculous date of July 1st, 2006 are patting themselves are the back for “helping” the military.
Oh, and because we are “in an area of continuing declining home values” we have been denied refinance under any of Obama’s programs as well, even though we have perfect credit.
I know most of you are upset, but realistically this plan (bailout) didn’t exist at all for anybody until recently and now you’re pissed that there isn’t enough money for you too. This is the exact same greed that made you buy the house in an over-inflated housing market in the first place. So to be upset that you aren’t covered or that you bought your house too late is completely irrelevant. It is what it is, and you should just accept the fact that YOU bought a house on your own free will (the military did not force you to do so) to take a risk in life to turn an equitable profit knowing that you are a military family and that you are required to move if you make it a career. Sometimes in life things workout for you and sometimes they workout better for others. Bottom line – It was your decision to buy the home and nobody else’s.
Oh by the way, I am in the same boat as you all and I accept the fact that I am a man and I have to own up to my decsions and do the honorable thing and handle my business. Apparently some of you just want a hand out. It was your decision so grow up.
Thanks for your stupid ass input Tim.
Apreciate “most” of the input/comments here. Does anybody know how this will affect those who were under contract to purchase before 1 July but closed in the weeks after?
Riley – The eligibility is you had to have purchased your home or had a contract to purchase before July 1, 2006. I was scheduled to close at the end of June 2006 but it got delayed until mid July. My contract to buy the house was dated November 2005 and the HAP office said that I meet the requirement. Hope it helps!
Michael, I agree with your statement but this is a professional site made of professionals so your comment could have been articulated in writing much better.
Tim, I just like you have owned up to my responsibilities and have paid over 1/2 years pay in order to close on my home that I sold 30 April 2009. Your comments however are accurate but are selfless. Yes, everyone of use that purchased a home did so on our own accord but we purchased homes in order to give our families a safe and comfortable place to live. Now, if one purchased a home that was way outside of their means, then I agree with you 100% but if one purchased a home because housing was not available or inadequate, rentals were very high then they are a victim of circumstances and you should understand that especially if you are serving or have served.
The housing crisis is not just the purchasers fault unless again, they purchased more than they could afford and did some crazy loan in order to get the home. In this case, not only is the purchaser at fault but the financial organization too.
I do not see people as looking for a hand out and if this is how you see it, then (if you are serving) I pity any military personnel that work for you because you have no concept of understanding except for seeing 100% black and white because not every scenario is the same.
I not only applaud President Bush for his first Stimulus package (TARP) but also President Obama and do not see those of us affected by the housing crunch as looking for a handout.
All good conversation but the fact is this program is not resourced for anyone regardless of when you bought your house. HAP personnel are working wonders at accepting packages and answering questions but thats it. They dont have guidance or money. I have a package that HAP tells me will be approved but cant help me with closing on 15 July. Worst, my bank Navy Federal Credit Union is also not accepting a very good offer on my house and is not working with me at all …I’m upside down.
I tried renting at a very good price and couldn’t. I have a very fair offer to sell for this market and it will probably wont be accepted.
From my perspective, PCS movers that are moving this summer are on their own regardless of what Washington leadership promises.
Reality is we moved in 2006 and bought in unknown inflated housing markets and are forced to move in the worst housing market in the last 30 years.
Ed
We are allegedly covered by the HAP program… whenever they are actually able to start processing and approving applications. In the meantime, I am here with 6 kids and another on the way (at this rate my husband will most likely miss the birth), while my husband is at the other end of the country. Even knowing this help will supposedly be there, deciding what to do in the interim is boggling my mind. I feel my head will soon explode.
We have to sell the house to get assistance, but we cannot sell the house without assistance. Prices are still falling in our area and we expect to see about a 50% loss on the house, approximately 2 years pay. We don’t have the means to come up with that, nor the means to pay for two homes. The rental market is so bad here that we might be able to make half our mortgage with renting, and have to pay as much as our original mortgage to rent at our new location.
I wish there were solutions that came easier. It appears the ACE will not possibly begin processing applications until after August 18, according to my understanding of http://edocket.access.gpo.gov/2009/E9-14429.htm
So, for now we all appear to be in a holding pattern regardless.
Not to be mean, but if I were having that many problems with my bills, I wouldn’t be having a 7th child at this moment.
If it’s any hope… the Assoc. of the US Army is petitioning to get the date changed to 7/1/08…
http://www.ausa.org/legislation/congressionalinfo/tocongress/Pages/AmendmentoftheeligibilitydateformilitaryHomeownerAssistanceProgram(HAP)participationfrom1July2006to1July2008.aspx
to apply for the program you have to list your house for a “reasonable ammount of time” does anyone know how long that is? we have listed for a month, only asking for the ammount we owe for the house…not a single showing….zip zero… not to mention the listing agent laughed when we told her how much we owed….”in this market you might get half that”…. the HAP is really our only hope..
I just stumbled upon this forum. My sympathies go out to all those who are struggling. I am one who had to PCS, sooner than expected. I beat the cutoff date for HAP and closed beginning of June 2006. I guess that makes me more fortunate than those who closed after July 1 2006, so I won’t discuss my trials and tribulations at the expense of those who will not (but should, get assistance from HAP. I just wanted to say that no one should feel ashamed or that they made this giant mistake that could have been avoided. I have been in the Navy for 14 years, and married for 13. We used base housing for our first four duty stations, and all the while (a period of 7 years), we had been pressured BY THE MILITARY AND MILITARY RELOCATION ASSISTANCE CENTERS to invest in a home, make money when we PCS by selling, etc, etc. Military housing has become privatized, it is not what it used to be when I first joined. Some housing areas provide low income housing to civillians, and I remeber military members in the neighborhood being intimidated by this new change. Who are these people? If it is low inclome, what kind of people can afford this? They are not bound by the oaths and ethics I have sworn to believe and uphold FOR THEM, so can I trust the safety and security of being surrounded by fellow soldiers and sailors and airmen will not be underminded by people not accountable by the UCMJ? The next question, inevitably, is: Why should I dump my BAH into a small unit that is no differnet than the guy next door, who is three ranks lower than me and paying half the rate I do, when I can invest it into a home twice the size, owned by me, and possibly make a profit when I seel at at PCS time a few years down the road?
No one knew things would come to this. What we do know now, and another thing to realize, is that if none of us bought homes in 2005-2007, the market would have fell sooner than it did anyway.
Joe: No worries, my son died in utero 3 months ago. much better don’t you think.
Sorry to hear about you child and sorry that the blog took that turn.
As far as the HAP program several hundred have received checks and hundreds are poise to be getting check in December.
No, everyone is not made whole and yes there is some bad info out there. Yes there are limits on time, dates etc. As far as I am concerned the biggest one is that anyone wounded before 9/11/2001 isn’t eligible. But a little is better than none! And tens of thousands of Americans have none
There are so many things wrong in the way the military treats its people right now. Problem is that the economy is so bad that the military can get away with doing the wrong thing and it does not matter. Most folks cannot afford to walk because there is nothing that pays as well in the civilian world right now. Hard for me to complain because I know there are a lot of people in the same situation, but I am looking at a major loss on my current house. I stand to lose around 50 grand. I am being forced to PCS even though I have a viable job where I am at. I realize that I bought a house at my peril in 2007, but I never knew that the market would tank this bad. The base I am at (NAS Kingsville) does not have base housing and the schools are so terrible that I could not have my 4 children go to the local schools because of the poor education they would receive and the violence that they would be subjected to because they are lily white. I am being sent to Bahrain for two years and the Navy will not cut orders until 2-3 months prior to the move. This move is killing us.
I was on active duty in Japan and became ill in 2006. I was allowed to PCS to my home of record, upstate SC, to receive care and subsequently placed on Temporary Retired Disability List (TDRL) in 2007. I was recently found fit to return to duty. The area I live in has no military facilities or billets for my rate/rank, so more than likely I will be relocated. I purchased a home prior to my TDRL. Now that I’m to return to active duty, am I eligible to receive assistance through the HAP program? Thank you.
I was just perusing the HAP website and tried to contact someone to speak to. No one is available to speak to you at the Texas office and there is no contact information for the DC office…very dissapointing! I am needing help on financing a home after forced into a short sale last year that is being reported negative on our credit report. Any advice would be appreciated!
Angelo- It sounds like you might qualify. The only thing is- I would call Ty Chamberlain is Sacramento for assistance. I do not know anyone out of the Savannah office I would send you to for advice. Google me and I will connect you. Anyone looking here will also want to check the longer MOAA blog
http://moaablogs.org/financial/2009/06/the-homeowners-assistance-program-benefit-could-be-taxable/
Most of these comments are from spring/summer 2009. Anyone have any idea how this program is working lately?
Dan – I was wondering the same thing. I’ve been reading the horror stories, so I was dreading the process, but we submitted our application to the Savannah office 2 weeks ago, and I got an email within a week saying they had received my package and would be in touch within 14 days. When I was filling out my paperwork I called the Savannah office twice with questions. Both times I got the answering machine and left a message, and both times they called me back immediately. So, so far so good. I’m pretty impressed with them up to this point, and my Realtor just closed another HAP deal and he said it went very smoothly.
We bought our house in Dec 2007… PCS to Japan in Nov 2009… can no longer afford the payments on the house, have been trying to sell the house since Aug 2009 and now we had to go forth with the short sale and still cant sell the house even after lowering the price 2 times! and now there is all this talk out here that the HAP is great and how my husband and i should consider it and now that i came online to check it out, i discovered that i had to buy my house prior to July 2007!? Thats ridiculous. Now we just got hit with foreclosure papers, what are we to do? Still cant sell the house… and while he deploys and serves the country like every other service member in the end we still end up with a bad credit report. UUUUGHH! then they wonder why military people need counseling and help its because them and their family members cant sleep at night knowing that they have all these bills! its not like we can work overtime and get time and a half to make up for our payments.
we have been trying to get info. from the HAP office here in sacramento for months. we get different answers every day. we are pretty sure we will qualify for HAP, but our office says they are two years behind on the applications (so just going through 2008), yet they suggest we try to sell our house?##??$ do any of you out there know how that works–what if we sell at a loss and HAP hasn’t processed our ap? OR, do we just start off with a short sale? if we short sale, we will wreck our credit anyway. we are pretty frustrated though we are turning in our application this week anyway. we also have a balloon loan due in july. do we try to modify? stop payments? any help appreciated.
Rebecca
Sorry to hear about your troubles, and good luck on resolving your problem. Not that it will make any difference to you but the date to purchase by was Jul 2006.
We (as many are) are in a similar situation. We purchased our home in Nov 06 and PCS’d in Jul 08. We had the house on the market for 6 months with no takers and my savings rapidly being depleted I decided to rent. Currently the home is renting for about 700 less per month than the $2K mortgage, and on top of that the home is now worth about 60% of purchase price and dropping. There are countless frustrations about being in the situation. The HAP program Jul 06 date requires that you would have had to predict the market crash, something that very few were able to do; i guess i should have consulted my crystal ball instead of my realtor. Because I am underwater we cant refinance at the lower interest rates which would provide some relief, and cant sell because i cant afford a 75K loss. So where does that leave us, i am giving serious consideration to stop making mortgage payments, wait for the inevitable foreclosure. Hopefully it takes the bank 6 months or more to catch up so that i can let the tenants finish the lease. Unfortunately there are lots of us out there that are falling through the cracks and can not get any help.
We are facing the same dilemma!!! My Husband and I purchased our home July 2007 upon arrival at our new duty station and finally financially being able to own our own home. The market wasn’t anywhere distressed as it is now, no more then it had been up and down before so we weren’t concerned at all about losing money or not being able to sell if need be. In 2009 we tried to apply for a loan modification which required a new appraisal , we we’re in utter shock to find out that our market value had dropped by over 60k in 2 years!!! We were denied the motification cause we NOW owed more then the home was appraised for. My husband received new orders recently and therefore we need to sell our home now to be able to afford another proberty but due to the current real estate market we haven’t been able to sell it yet and have to seriously consider a short sale which will cost us a HUGE dent on our credit score which we have worked for so hard. We have never been late or missed a mortgage payment or any other payment for that matter, we have excellent credit and really want to purchase another proberty at our new and last duty station since my husband will retire in 3 years. I am soo stressed over this situation!!! After all theses years of sacrifices and moving around, now that we can finally settle down we’re faced with not being able to buy again just cause we were too late for the cut off date!!! This just doesn’t seem right!! We don’t even want to make a profit on the sale, we just want it to get out from under us so we can move on. We can’t drop the price much more cause with the realtors fee’s and closing costs we’re already as low as we can go cause we don’t have the cash to pay out of pocket. Its soo frustrating……what to do??!!
I PCS’d from Indianapolis,IN to Washington DC Metro area and have been unable o sel my home in Indianapolis due to the market crash. I am not a wonded warrior however I have several injuries suffered dring my 22 years in the military and I fear that I won’t be able to sell my Indy home prior to retiring from the military and I’ll have to endure 2 monthly mortgage payments and struggle after retirement. I’ve owned our home in Maryland since 1996 and during our transiton to Indy we felt I wold retire there so we had our home built and rented our Maryland home pending sell until our renters bcked out. I was asked to relocate back to the DC Metro area because of the lack of leadership required to rebuild and retrain the Finance staff at Walter Reed and regain the respect of the wounded warriors, family members, public and US Congress. I agreed to relocate back to assist however when I returned I found my rented home was destroyed and my management company failed to inform us and uphold their end of the contract. To make a long story short we had to come out of our pocket to repair our home before we could live in it whch depleted our retirement funds and created another dilemma for us. Because of the crash in the market we are unable to sell our Indy home without taking a tremendous loss. Can you suggest options or assistance?
Thanks, SFC Harley Noel
well i hate to say it but no one told us to buy a home im in the same boat every one bought home because they were giving great interest rates and tought the economy would bounce back really quick. what they should do for us is allow us to stay were we are instead of changing our duty station because by sending us to a different place then they are putting almost all of us in a financial harship situation.
I have read these blogs and am so very sorry to hear of all the pain,suffering, and financial hardships in light of the housing market crash. My heartfelt sympathies to Trina and to Joe…. shame on you! Who are you to dictate another persons choices in life. Ultimately what has occurred here blindsided quite a few people. First of all many bases/posts did not have available housing or they had substandard housing and were in the process of bulldozing the existing units to replace them with NEW privatized units. Those of us who were pcs’d with family did what we did because we needed a place to live, had limited resources and needed some semblance of normality. There is NO specific date that can be referred to and I can tell you I personally watched the market, the news, and listened to our politicians who all avoided admission to market decline or failure or even recession until the market actually crashed and we started bailing everyone out at taxpayers expense. Of course at that point all our representatives assured us they would NOT raise our taxes and initially they did not but if all of you recall our 401ks and TSB accounts plummeted we ( my husband and I) personally lost 20,000 overnight.
So my story is this…..we were pcs’d to a new location and yes housing was old, substandard and there was a waiting list. We were encouraged to buy in an up and coming area (which is still up and coming by the way). We bought in 2000 yes before the 2006 deadline at a reasonable market value and put 25,000 down my husband was deployed and then took a remote tour with follow on tour because the housing market ballooned and although we could have made a killing on our home during that time we also realized we would have to spend a fortune on the next house. We did what we thought was financially responsible at the time at the risk of “career” and having a “breath of experience” fully knowing all the hidden costs and being “on our own”. My husband received pcs orders last year we paid for two domiciles for 10 months. We put our house on the market it should have sold for somewhere around 270,000 but the market continued to decline and we continued to drop the price. In the end we sold the house for 230,000 paid 27,000.00 in closing and realty fees. We applied for the HAP program only to find out we were ineligible because we did not suffer the 10% home valued loss from the date of sale to the date of purchase. I find this to be an outrage! the market declined nearly 30% in our area. I literally gave my home away. In the interim almost suffered financial ruin, my husband moved, I then followed, and we are moving yet again at pcs orders. 3 moves in one year. So your HAP program is definitely lacking, some of us tried in-spite of what we were being fed to remain objective sustain this downward trend but it came down to our home/career..
ALCON,
I applied with HAP (Sacramento) Jan 2010. I have talked with 6-7 different reps and they are had something different to say. I had a buyer and they were patient enough to wait until HAP caught up. My applicaition came up in Dec 2010. I got a call Jan 2011 that the sale will go through I just needed to come up with $ 11,000. If I had that I would not have to get rid of the house. I have been making a mortgage payment as well as paying rent for more than a year trying to do the right thing and not jeopardize my credit but it is too difficult because my real estate agent as well as HAP never broke it down to me what I need to come out of pocket. I was tol that they pay 90% of the original loan amount. But what I didn’t find out until 14 months later is that it doesn’t include the closing costs. So when they told me that i needed to pay $3200, which is the difference between what they would give me and what I owe, that was wrong!! All said and done I needed to have $11,000. I don’t have it and now I am panicking. I might just let the house go!! It is going to ruin my credit and I have a TS clearance really worried. Bottome line no real communication with HAP. I can only go by what they tell me so if they can’t communicate my part in the process than I don’t know.
This is all extremely informative. After reading through it, I offer some comments that might help some of you. I am in the same boat by the way. Quickly, we purchased a home in Las Vegas on 30 Nov 06. We accepted the fact that the market may decline 10%, a large amount normally, but traded that for the security of having one residence during our 4yr tour. Many of you, not including Tim, likely understand that rationale. Needless to say we bought for $350 and it is now worth $160 or so.
Of interest, I researched as much as possible (JAG, Security, CC, etc.) to no real help on what to do. Then I PCS’d to Alabama (current) leaving behind my wife and 2 boys. Here I found some help. I visited the JAG, Security folks, and then CC here to explain what I had learned.
1) I also have a TS clearance Shannon and did not want to jeapordize that at any cost. Our security personnel contacted the Air Force adjudication office (they process your clearance updates). I was told that if something negative is on your credit report that is mortgage related, it would not be a problem. That was approximately late July 2010.
2) I saw my commander and let him know what I had learned. That I planned to be financially responsible (key) and would try to sell the house short without being late on payments.
3) We had an offer for $185k in Sep 2010. The bank declined our app to short sale as we were not late on payments. I told them I could fix that.
4) Back to the CC to let him know my intentions. We did not pay our mortgage payment for Oct 2010 or Nov 2010 (but did pay the Oct payment late in Nov as the bank needs you to be more than 31 days late…)
5) Mid Nov 2010 bank says we qualify but buyer lost patience and walked away.
6) New offer for short sale first week of Jan 2011. Waiting for approval, looking good (knock on wood) but it will affect our credit. How much? I have numerous stories that it will ding your credit score but it will recover in months vs. years if you continue paying everything else correctly/timely. There will be a statement along the lines of “settled for less than originally owed”. CRITICAL: you need to ensure that if you go this route, the bank(s) have a statement on the settlement that they release you of further persuit of money (can’t think of the correct terminology).
Bottom line: talk to security and see if you can get good guidance about your clearance, even a secret is important to continued service. Talk to JAG next and make sure they don’t see any problems. Then talk to and keep your CC up to date on your intentions and progress. The whole time, try to do the right thing. Last, I do not know how much worse off you are if you do a foreclosure or bankruptcy but if my short sale falls through, we will go that path (after talking to security, etc. again just in case – but it is still strictly mortgage related).
Hope this helps – I feel your frustrations!
We have to PCS now by June 2012. We bought our house in 2007 without being told we were on BRAC. We got orders to DC from Germany. If they knew we were on BRAC we should’ve been informed. Is there any program available to help us? We can’t afford to keep our house. Short sale is not an option because it will mess up our credit. Renting out is not an option because of the area we live in. Anyone with information please help. We are not the only ones in this situation. The entire base is being forced to move and I personally know 10 people in the same situation!