Because DHOAS is a benefit with specific eligibility and service-history rules, the value of an agent is usually clarity, speed, and fewer avoidable mistakes. What is DHOAS, in plain terms? DHOAS is a government-supported home ownership benefit designed to help eligible members afford a home loan. It typically provides a monthly subsidy (and potentially a one-off assistance payment in some cases, depending on the rules at the time of application) linked to service history and the loan. The scheme has conditions around eligibility, property use, timing, and ongoing responsibilities that can surprise people who assume it works like a generic first home buyer benefit. Who typically uses a DHOAS agent?…