Roger That Newsletter - February 2021

THE DESIGN CORNER: HOW TO PROMOTE YOURSELF DURING A PANDEMIC PAGE 8

A WORD FROM THE ASSOCIATION DIRECTOR PAGE 10

SHATTERING PTSD MYTHS PAGE 22

VAREP FACES IN THE CROWD PAGE 35

VAREP 2021

POLICY CONFERENCE

SAVE THE DATE!

FEBRUARY 2021

VAREP 2021 POLICY CONFERENCE

JUNE 14TH, 2021 VIRTUALLY VIA ZOOM

ROGER THAT FEB 2021

VAREP NATIONAL NEWS

A Letter From Our President Dear VAREP Members, I present you “RT – ROGER THAT – FEB 2021” E-Zine Newsletter. This is the best way for VAREP National to communicate happenings within our organization to our membership.

VAREP experienced tremendous growth and recognition in 2020 for the important work that we do. Each of you should be proud and stand tall knowing that your passion to empower veterans to realize the American Dream of homeownership has enabled VAREP to be recognized by key leaders in the real

PUBLISHER USA Homeownership, Inc. DBA Veterans Association of Real Estate Professionals EDITOR Abbie Eaton CRE ATIVE SENIOR DESIGNER Jesus Lopez GRAPHIC DESIGNER Nick Preston GRAPHIC DESIGN INTERN Erika Larios SENIOR WEB DEVELOPER Francisco Labias

estate, financial, and government sectors as the

WEB DEVELOPER Jake Moya

authority on, and voice of, military and veteran

CO NTAC T VAREP

financial-literacy and homeownership.

HEADQUARTERS 951·444·7363 info@VAREP.net 495 E. Rincon St., Suite 110 Corona, CA 92879

VAREP ACCOMPLISHMENTS FROM 2014 - 2021 •

45 homes donated mortgage-free to deserving heroes across America.

•

1,500 military and veteran families realized the American Dream of homeownership through our programs and services.

•

EDITORIAL

w w w . V A R E P. n e t

20,000 real estate and lending professional were trained as a result of the 80 live events and online membership training.

•

•

•

5,000 military and veteran families educated about homeownership, financial literacy, and

ABOUT SON

the VA loan program through the live Veteran Housing Summits events hosted by VAREP

Son Nguyen is the founder and president of the

local chapters across the country.

Veterans Association of Real Estate Professionals

2,000+ military and veteran families were provided food, utilities payment, rent back

(VAREP). Mr. Nguyen creates, implements, and

payment, basic supplies, clothing, and blankets during the holiday season. This was made

overseas the programs within VAREP including

possible through our VAREP Cares program implemented by the VAREP local chapters.

working with government agencies and policy makers

$70,000 in the form of housing assistance grants for down-payment, closing costs, and adaptive

to create and reform veteran housing policy to remove

needs. This was in partnership with the Asian Real Estate Association of America (AREAA).

barriers to homeownership.

He is frequently called upon as a subject-matter expert

HOW TO EXPLAIN WHO WE ARE AND WHAT WE DO I frequently receive phone calls from our membership on how to explain VAREP as an organization. Depending on your audience, you may want to adapt the points listed below to

by government agencies, the real estate industry, the lending industry, and real estate trade organizations to consult on a variety of veteran housing issues.

Mr. Nguyen has more than 19 years’ experience in real

introduce VAREP.

estate, public speaking, supplier diversity, curriculum

•

•

VAREP is a 501.c.3 nonprofit organization that was founded to directly educate the 1.4-plus

development, and non-profit management. His record

million active military and 22-plus million veterans on sustainable homeownership, financial-

demonstrates innovation and leadership at the highest

literacy education, VA loan awareness, and economic opportunity.

level.

VAREP is the only organization that educates military and veteran families on the importance of financial health on the road to homeownership.

•

VAREP is the only organization that educates the real estate practitioner on the important housing-policy and lending initiatives that affect the military and veteran communities.

VAREP Comparison to Other Veteran Nonprofits The comparison chart to the right shows that we fill a much needed gap in financial-literacy and housing components that the other veteran service organizations simply do not offer. In other words, we complement them and do not compete with them. Our organization has only scratched

Mr. Nguyen established VAREP as a housing non-profit for vets, by vets. He believes VAREP’s proactive stance of providing financial-literacy education and advocating homeownership can greatly impact homelessness among the veteran community, by both reducing the current epidemic and preventing future occurrences, one veteran at a time.

Mr. Nguyen entered the Navy in 1996 and served as a Radioman on the USS Vincennes (GC-49) and USS

the surface of creating awareness and having people rethink how to better serve underserved

Constellation (CV-64). A proud service-connected

military and veteran housing needs. To a great 2021...Cheers!

disabled veteran, Mr. Nguyen holds a bachelor’s degree in Public Relations from of the University of Florida and a Master’s in Organizational Management.

Son Nguyen VAREP Founder and President

2

VE TER AN NON-PROFIT COMPARISON CHART Target Audience

VAREP Veterans = 22+ Million Active Duty = 1.4+ Million

MILITARY WARRIORS FOUNDATION Wounded Warriors OEF, OIF, ND = 51,849

OPER ATION HOMEFRONT Active Dut y Family of E1 - E6 = 1.1 Million

WOUNDED WARRIOR PROJECT Wounded Warriors OEF, OIF, ND = 51,849

USA CARES Post 9/11 Servicemembers & Family

Financial Assistance

X

X

Emergency Food

X

X

Emergency Home Repair

X

X

Critical Baby Items

X

X

Home and Appliance Repair

X

Furniture and Household Items

X

Local Moving Assistance

X

Apartment Transitional Housing

X

X

Permanent Housing Placement

X

X

Employment Job Board

X

Rehabilitation with Recreational Therapy

X

X

X

X

Peer-to-Peer Counseling

X

Family Support Retreats

X

Peer Mentoring

X

Information Technology Training Academy

X

Financial Literacy Education

X

VA Home Loan Program Education

X

Housing Education

X

Housing Counseling

X

Credit and Debt Management Education

X

Credit and Debt Management Counseling

X

Military and Veteran First Look Affordable Housing Purchase Program

X

Mortgage Free Donated Homes for Wounded Warrior and Spouses of Deceased Warriors

X

X

X

X

X

Community Outreach

X

X

X

Live Community Housing, Financial Literacy, and Employment Fair Outreach Events

X

REALTOR, Housing Professional, and Lender Military and Veteran Certification Course

X

Military and Veteran Friendly Database

X

Advocate with a Written Policy Plan

X Military and Veteran Housing Lending Policy

Housing and Lending Policy Conference

X

Military and Veteran Financial Literacy, Housing, and Employment Resource Center

X

X

X

X Wounded Warriors

NOTE: The non-profit comparison chart does not list the national minority real estate trade organizations including AREAA, NAHREP, and NAREB because we are not structurally set up as a trade organization. We have our membership whom we educate to better serve the military housing needs, but ultimately we are all here to serve the military and veteran communities.

3

FEB 2021 TA B LE O F CO N T E N T S

VAREP Chapter Map.....................................6 The Design Corner: How To Promote Yourself During a Pandemic...........................8 A Word from The Association Director..........10 How To Successfully Apply For a Loan Modification FAQ...........................................16 5 Video Marketing Tips For Your Small Business.............................................20 Shattering PTSD Myths...............................22 Legislative Corner.......................................30 VAREP Faces in the Crowd............................................35

2021 NATIONAL EVENTS

There are a ton of myths about PTSD and we want to equip our readers with only the facts. We want to help you spot the symptoms and learn how to help your friends, loved ones, and fellow veterans cope with this very real disorder.

VAREP 2021 POLICY CONFERENCE POLICY CONFERENCE JUNE 14TH, 2021 VIRTUALLY VIA ZOOM

STAY UPDATED AT: HTTPS://VAREP.NET/POLICYCONFERENCE

Read full article on page 22

NATIONAL CONVENTION OCTOBER 10TH - 12TH, 2021 GRAND HYATT MANCHESTER SAN DIEGO, CALIFORNIA

STAY UPDATED AT:

HTTPS://VAREP.NET/NATIONALCONVENTION

SA VE TH ED AT E

VAREP 2021 POLICY CONFERENCE

JUNE 14TH, 2021 9:30 - 1:30 PST

The conference is filled with educational sessions and town halls to educate attendees on important housing policy, lending initiatives, and economic development affecting the military and veteran communities.

VIRTUALLY VIA ZOOM

TO STAY UPDATED VISIT: HTTPS://VAREP.NET/POLICYCONFERENCE/ 5

VAREP CURRENTLY HAS

34 CHAPTERS LOCATED IN 19 STATES ACROSS THE UNITED STATES

ACTIVE CHAPTERS Alaska

Kentucky

VAREP South Central Alaska - Founded on June 23, 2020

VAREP Louisville Chapter - Founded on June 14, 2018

Arizona

Maryland

VAREP Phoenix Chapter - Founded on September 3, 2013 VAREP Prescott Chapter - Founded on June 27, 2019 VAREP Tucson Chapter - Founded on January 28, 2015

VAREP Annapolis Chapter - Founded on August 23, 2018

California VAREP East Bay Area Chapter - Founded on August 24, 2017 VAREP Fresno Chapter - Founded on January 30, 2019 VAREP Los Angeles Chapter - Founded on April 23, 2014 VAREP Orange County Chapter - Founded on March 11, 2013 VAREP Riverside Chapter - Founded on June 17, 2013 VAREP Sacramento Chapter - Founded on June 4, 2013 VAREP San Bernardino Chapter- Founded on August 14, 2014 VAREP San Diego Chapter - Founded on July 29, 2013

Colorado VAREP Denver Chapter - Founded on August 14, 2014

VAREP Twin Cities Chapter - Founded on March 11, 2018

Missouri VAREP St Louis Chapter - Founded on March 10, 2017

Nevada VAREP Las Vegas Chapter - Founded on August 30, 2013 VAREP Northern Nevada Chapter - Founded on March 4, 2015

Oregon VAREP Central Oregon Chapter - Founded on February 12, 2019

Texas

VAREP Central Florida Chapter - Founded on April 14, 2015 VAREP Miami Chapter - Founded on July 13, 2015

VAREP DFW Chapter - Founded on December, 2015 VAREP El Paso Chapter - Founded on April 6, 2017 VAREP Houston Chapter - Founded on March 30, 2015 VAREP San Antonio Chapter - Founded on December 10, 2013

Georgia

Virginia

VAREP Atlanta Chapter - Founded on January 22, 2019

VAREP Hampton Roads Chapter - Founded on September 5, 2018 VAREP Northern Virginia Chapter - Founded on May 30, 2018

Florida

Hawaii VAREP Honolulu Chapter - Founded on April 04, 2014

Idaho VAREP Treasure Valley Chapter - Founded on May 17, 2018

Illinois VAREP Chicago Chapter - Founded on June 21, 2016

6

Minnesota

Washington VAREP Tacoma South Sound Chapter - Founded on December 15, 2014

Washington D.C. VAREP D.C. Metropolitan Area Chapter - Founded on June 11, 2014

Arizona

19 CHAPTERS IN FORMATION

VAREP Kingman Chapter- Coming 2020

California VAREP Modesto Chapter - Coming 2021 VAREP Oceanside Chapter - Coming 2021 VAREP San Gabriel Chapter - Coming 2021

Colorado

Guam VAREP Guam Chapter - Coming 2021

VAREP New York City Chapter - Coming 2021

Maryland

Pennsylvania

VAREP Baltimore Chapter - Coming 2021

Massachusetts VAREP Boston Chapter - Coming 2021

VAREP Colorado Springs – Coming 2021

Florida

Nevada VAREP Carson City Chapter - Coming 2021

VAREP Jacksonville Chapter - Coming 2021

Georgia VAREP Augusta Chapter - Coming 2021

New York

New Jersey VAREP North New Jersey Chapter - Coming 2021 VAREP South New Jersey Chapter - Coming 2021

VAREP Philadelphia Chapter - Coming 2021 VAREP Pittsburgh Chapter - Coming 2021

Puerto Rico VAREP Puerto Rico Chapter - Coming 2021

Tennessee VAREP Nashville Chapter - Coming 2021

Washington VAREP Bremerton Chapter - Coming 2021

7

Design Corner

HOW TO

PROMOTE YOURSELF DURING A PANDEMIC

A FEW HELPFUL TIPS FROM VAREP’S MARKETING TEAM

Perhaps you feel stuck and you’re not quite sure the best way to promote your business, services or products during this time. Below are strategies you can use to market yourself and your business in this rapidly evolving climate and ways for you to set yourself apart as a leader in your field. You’ll be able to take these tips and use them on social media, on your website, over the phone, and eventually in person.

PLAY THE LONG GAME.

DON’T DISCOUNT YOUR GREATNESS.

When promoting yourself and your work, consider your long-term goals. Instead of being reactive and selling from a place of fear and doubt, empower others to make intentional and informed decisions.

Remember that anything you react to right now could have implications that last months or years. Ensure that any business pivots you’re making now aren’t to the detriment of your big picture plans.

Be generous in your understanding and support without sacrificing your worth. Maintain the integrity of your programs or products, especially when it comes to your pricing. If you’re aligned with your purpose, then you don’t need to discount your offerings.

BE TRUE TO YOU.

Most importantly, honor your word. Realign with your commitments and get creative on how you can fulfill them, even if it looks different right now. Following through will earn the trust and respect of your audience.

Your values are why you do the things you do. Show your community that you are who you say you are, even in the midst of challenges. Now is the time to lean into what matters to you most, what you believe in, and allow those things to guide your messaging and mindset.

FOCUS ON YOUR STRENGTHS. Drown out the noise and remember your purpose.

Focus on delivering what you already know you’re great at so you can make the most impactful contribution. Now is your chance to hone your unique expertise and make a difference when people need your gifts most.

HONOR YOUR COMMITMENTS.

Now, more than ever, the world needs brave leaders, and leadership comes down to authenticity. Claim ownership over how you want to show up for your customers and clients — whatever that looks like.

Pandemic or not, marketing to your customers is always an important aspect of running your business. Improving your marketing efforts during this pandemic can help you get ahead of your competitors, learn more about your target audience, and build on your business relationships that will set you up for success post-coronavirus.

A Word from the

Association Director Carla Lemon Happy New Year! Do you feel it? Do you feel the power of a New Year, especially 2021!

“IF YOU ARE NOT CURRENTLY A MEMBER, JOIN – YOU DO NOT WANT TO MISS ALL THAT WE WILL BE OFFERING THIS YEAR.” -Ernie Gonzales

Assistant Association Director

10

As we put 2020 in our rear-view mirror and focus on what is ahead of us, I would like to thank all of our Chapter Directors across the Country. Despite many challenges VAREP Directors pressed onward hosting events through the year.

Above the education and fundraising events, VAREP National is the proudest of the 31 local VAREPCares events in 2020.

We helped over 400 veterans and worked with over 30 different VA non-profit organizations to carr y out our VAREPCares mission through events such as coat drives, purse drives, feeding the Veteran Homeless, providing Christmas items to Veteran Care facilities, providing internet services and new items to Veteran Transitional Housing programs, providing items through VA HUD Vash programs, and countless other VA coordinated programs.

Son Nguyen, VAREP Founder & President, said “Carla, what makes VAREPCares great is not necessarily about money, it’s about our members caring enough about other people’s needs to make a difference; especially the

financially struggling chapters who use their time and talent as their treasure/gift”.

There were many silver linings in 2020, we did our best at the vir tual conferences and chapters had to get creative to host education and fundraising events. To ensure our mission is carried out in any pandemic, we’ve developed national and local programs that will roll out as 2021 progresses.

It is confirmed that the 2021 Policy Conference will once again be vir tual this June.

“I am excited at the opportunity to serve our community veterans in a whole new capacity and I am honored to be able to work alongside so many amazing servant leaders to help forward our VAREP mission,” said Ernie Gonzales, VAREP Asst.

Association Director.

VAREP’s 2021 focus is membership growth.

Increasing chapter membership is key to becoming THE military and housing resource in the community you serve.

However, we are extremely hopeful, and currently planning towards featuring the 2021 National Convention live in San Diego . . . stay tuned!

If you are not currently a member, join – you do not want to miss all that we will be offering this year. If you do not currently have a local chapter in your area and are interested in what it means and takes to launch a chapter in your area, let’s talk . . . your local Veterans could use your leadership and a VAREP chapter to help provide guidance and a hand up.

“Great things are brought about and burdens are lightened through the efforts of many hands anxiously engaged in a good cause.” Elder M. Russell Ballard

LEADERSHIP ANNOUNCEMENT!

We welcome you to join us to make a difference – One Veteran at A Time.

This decision was not made lightly. Son said, “As much as I would like to be live in DC, this is the right thing to do for this year.” We will determine the date and have out to the membership very soon.

I and happy to introduce Ernie Gonzales as our New Assistant Association Director.

An Army Veteran, Ernie served on the Las Vegas Chapter as President and on the National Board of Directors for one year.

Ernie is tasked with leading a number of chapters, interacting with National Committee Chairs and contributing with the Policy Conference and National Convention.

Sincerely,

Carla Lemon Association Director (951) 444-7361; clemon@varep.net

11

E! T A D E H T E V A S

OC T OBE R 10 T H - 12 T H 2 0 21 · 10 A M -1: 0 0 P M P S T

The 2021 VAREP National Convention will educate, develop, and empower current and future leaders within the VAREP organization. The National Convention equips VAREP leaders with the necessary tools to serve the military and veteran housing needs.

SAN DIEGO, CALIFORNIA GRAND HYATT MANCHESTER

SEE YOU SOON! 12

NATIONAL EDUCATION COMMITTEE (NEC)

Scott Robinson Jamie Garrett Stephen DeMuth Julie Owens NEC Chair U.S. Marine

NEC Member Patriot

NEC Member Patriot

NEC Member Patriot

Jeff Wilson

John Miller

Sean Selters

NEC Member U.S. Army

NEC Member U.S. Air Force

NEC Member U.S. Army

Happy 2021 from the VAREP National Education Committee.

We are a ready to take on the year and continue our mission through Education.

The Military Veteran Housing Certification (MVHC) course is still the favorite course offered through the local chapters to the Real Estate Professionals. Due to COVID-19 in 2020, the course schedules slowed down, however look for the classes to increase as we move through 2021.

The chapters remain a great resource and benefit to the local Real Estate Industry to be sure to check out the calendar of events at: https://varep. net/eventsfront/advocacy

The NEC is continually watchful for any changes that may impact the Veteran Home Loan Benefit.

We are aware that a new bill, with problematic language, passed which impacts the National Guard and their VA Loan eligibility. We are also aware that Congress passed legislation effecting Veterans first time use entitlement If the property was destroyed in a National Disaster.

The NEC is working diligently this year to provide additional courses through the chapters for added value to their members. If you have ideas that you believe would be of interest to your local community, please reach out to the NEC with your ideas and we will be happy to receive them. Look to your local chapters for the new updated courses being offered.

One more note, VA is currently reviewing regulatory guidance on COVID responses related to Forbearance issues and will provide information related to this in the future. Rest assured that VAREP NEC and NLC are following these items and will continue advocating for our Active Military and Veteran Communities.

We looking forward to working with all VAREP Directors this year to offer a great 2021 in Education!

Scott Robinson

National Education Committee Chairman HUD Certified Educator USMC Veteran

702-204-6415

13

IT Corner

WHAT IS PPC LEAD GENERATION?

then generate leads right off the bat. There are many different strategies that you can use to bid on keywords and generate leads.

PPC stands for: “Pay Per Click” PPC is a highly effective channel for websites and companies doing online lead generation.

You may not have heard of PPC lead generation, but you should. The way Google AdWords and other pay per click platforms work is by bidding on keywords or phrases, and matching them up to advertisers who will buy that spot on their advertisements.

You may not have heard of PPC lead generation, but you should. The way Google AdWords and other pay per click platforms work is by bidding on keywords or phrases, and matching them up to advertisers who will buy that spot on their advertisements.

When the keywords or phrases are relevant to your website’s content, and you bid on those terms, you can literally drive traffic to your website for free. In fact, this is how most successful online businesses get started, they bid on keywords and 14

The problem with PPC is that you are bidding on a very competitive field, and it can take years before you start to see results. Most people don’t realize how important good ad placement and keywords are, and therefore they just sit back and hope that their ads work out.

However, this isn’t the best way to generate leads and ultimately sales. With a little creativity, you can really start to see results in very little time, and this is what makes using PPC marketing so effective.

AdWords is a great tool, because it allows you to experiment with various advertising campaigns, and track everything that you are doing. You can quickly see which ad copies are working, and which ones aren’t. You can tweak your landing pages, and create ad copies that will convert at a much higher percentage than your competitors.

This is all possible because Google has made it very easy to test your campaigns. If you want to learn about PPC lead generation, you can find many useful tools online that will help you do just that. It really is an amazing technology that makes your success at marketing with PPC almost entirely up to you.

“If you are new to using PPC, it can be difficult to know where to begin.”

RESOURCES & DEFINITTIONS

How to Get More Leads with PPC? If you are new to advertising on the Internet, you may not be familiar with the term “PPC” or “Pay Per Click”. But if you have ever used a search engine, then you have probably heard of this term and maybe even saw ads for it. Basically, when you type in a word or phrase that you are interested in, your computer system will predetermine which ads show up based on the words that are associated with your search.

When it comes to how to get more leads with PPC, it basically revolves around the idea of paying someone to put up advertisements for your website. The person who is paying to do this is called a “PPC Advertiser”, and you pay them a fee every time someone clicks on their ad. The good news is that you only have to pay the Advertiser once - which makes it much less costly than paying for an entire ad group. However, if you are new to using PPC, it can be difficult to know where to begin.

WHAT IS GOOGLE ADWORDS? Google Ads is an online advertising platform developed by Google, where advertisers bid to display brief advertisements, service offerings, product listings, or videos to web users.

INFORMATION ABOUT GOOGLE ADWORDS https://ads.google.com/ https://ads.google.com/home/faq/

WHAT IS PPC ADVERTISING? is an internet advertising model used to drive traffic to websites, in which an advertiser pays a publisher (typically a search engine, website owner, or a network of websites) when the ad is clicked.

Fortunately, there are some excellent training courses available online that can help new PPC advertisers get the hang of it quickly and easily.

There are also numerous PPC software programs that can help track PPC results and even help you decide what works best for your site.

Using PPC correctly is crucial to getting the most from the traffic that you are able to generate , and there are a number of excellent courses out there to help you become more proficient at it.

You simply need to take advantage of the wealth of information available.

15

HOW TO SUCCESSFULLY APPLY FOR A LOAN MODIFICATION FAQS

by USA Homeownership Foundation’s HUD Housing Counseling Department

USA Homeownership Foundation’s HUD Housing Counseling Department works with hundreds of clients each year to successfully apply for a loan modification. With the onset of Covid-19 economic and housing issues, we’d like to provide some successful FAQs and successful tips to help you better your chances of applying for a loan modification.

IF I CAN’T PAY MY MORTGAGE LOAN, WHAT ARE MY OPTIONS? If you can’t pay your mortgage or are worried about missing a mortgage payment, call your mortgage servicer right away. You should also contact a HUDapproved housing counselor like Thomas Griffin at USA Homeownership Foundation to get free, expert assistance on avoiding foreclosure and tips to successfully apply for a loan modification.

WHAT IS A MORTGAGE LOAN MODIFICATION? A mortgage loan modification is a change in your loan terms. The modification is a type of loss mitigation. It can be a change in the rate, term, or specifications of your loan. The goal of a modification is to reduce your monthly payment to an amount you can afford. Modifications may involve extending the number of years you have to repay the loan, reducing your interest rate, and/or forbearing or reducing your principal balance. If you are offered a loan modification, be sure you know how it will change 16

your monthly payments and the total amount that you will owe in the short-term and the long-term.

If you don’t understand, please get help from a HUD Housing Counselor.

HOW TO APPLY FOR A LOAN MODIFICATION? If you want to apply for a modification, the first thing you should do is contact your servicer’s loss mitigation department, sometimes called a “home retention” department. You can usually find contact information on your monthly mortgage statement or on the servicer’s webpage.

WHAT DO I NEED TO SUBMIT TO APPLY AND GET A MODIFICATION? To get a modification, you’ll need to submit an application to your servicer. You’ll most likely need to provide: • a completed application that includes your personal information, mortgage information, property information, and so forth • recent pay stubs or a profit and loss statement if self-employed • bank statements • tax returns • income/expense financial worksheet, and a hardship statement or affidavit. (Generally, to get a modification, you must have experienced a

financial hardship but be able to make a modified payment going forward.)

Carefully consider what kind of modification best addresses your needs. If you receive a loan modification and you still can’t make the payments, you may lose your home. If you’d like to learn more about your options, talk to a HUD housing counselor like the ones offered at USA Homeownership Foundation. Visit our website at www.myhomeownership.org to sign up for help or one of our free online workshops.

First, call your mortgage servicer. You can find the telephone number for your mortgage servicer on your monthly mortgage loan statement. If you don’t get a monthly mortgage statement, look in the mortgage loan coupon book your lender gave you. You can also look on your mortgage servicer’s website. If you don’t know the name of your mortgage servicer, contact us at USA Homeownership Foundation for help.

FACT #1 MANY MORTGAGE SERVICERS HAVE PROGRAMS TO HELP PEOPLE AVOID FORECLOSURE.

When you call your mortgage servicer, be prepared to explain: • Why you are unable to make your payment • Whether the problem is temporary or permanent • Details about your income, expenses, and other assets like cash in the bank • If you are a servicemember and have received permanent change of station (PCS) orders.

(This is important to mention, because you may qualify for loss mitigation options because of your military move.)

Many mortgage servicers have programs to help people avoid foreclosure. Your mortgage servicer will look at your situation to consider the options that may be available to you. The servicer may ask you to fill out a mortgage assistance application. After the servicer reviews the completed application, it will let you know what loss mitigation options, if any, it will offer to you. Next, call a HUD-approved

housing counselor at USA Homeownership Foundation for individual help. Our counselor, who is a Marine and familiar with military and Veterans issues, can: Discuss your situation and whether you qualify for any programs or additional help.

• Help you understand the loss mitigation options your servicer offers and which options might work best for you • Guide you through the process of working with your servicer and any other programs and paperwork you may need • Help you with budgeting, credit card debt, or other financial problems that may be making it hard to pay your mortgage • Help ensure your credit is not effected which an in turn effect your security clearance if you are an active Military Servicemember

17

FACT #2

WHAT MORTGAGE OPTIONS MIGHT BE AVAILABLE TO ME TO AVOID FORECLOSURE? Some options that your servicer might make available include: • Refinance • Get a loan modification

A FORBEARANCE PLAN SUSPENDS OR REDUCES YOUR PAYMENTS FOR UP TO 12 MONTHS

• Work out a repayment plan • Get forbearance • Short sell your home • Give your home back to your lender through a “deed-in-lieu of foreclosure”

HOW DOES A MORTGAGE LOAN MODIFICATION AFFECT YOUR CREDIT? Lenders may report your loan modification to the national credit bureaus, and its appearance on your credit report could adversely affect your credit score.

The long-term impact of a mortgage modification typically will be less severe and long-lasting than the damage done by foreclosure.

In the case of mortgage modification programs that require you to be delinquent on your payments to qualify, your credit report will reflect missed payments in addition to the modification itself. Depending on your credit history and the credit score you had before those missed payment(s), your first delinquency could cause a greater drop in credit score than a subsequent mortgage modification would.

If a mortgage modification works as intended and allows you to stay in your house and resume regular on-time mortgage payments, you will be well positioned to rebuild your credit and restore your credit score within a few years—a much better prospect than having a foreclosure on your credit report for seven years from the date of the first delinquency that led to it. (Credit scores can recover significantly within the seven years following foreclosure, but many lenders view a foreclosure on your credit report as grounds for declining a loan application.)

18

WHAT ARE MY ALTERNATIVES IF I DON’T QUALIFY FOR A LOAN MODIFICATION? If you do not qualify for mortgage modification, ask

your lender, and discuss with your housing counselor other options available to help you avoid foreclosure.

Potential options include: • Repayment plans: If you’ve missed a few mortgage payments but are able to resume regular payments, a repayment plan can temporarily increase your monthly payments until you’ve repaid the amount you missed (plus interest), after which your payments will return to the normal amount.

• Mortgage forbearance: A forbearance plan suspends or reduces your payments for up to 12 months, after which you must resume regular payments and repay the payments excused during the forbearance period.

Forbearance programs are designed for borrowers with temporary financial challenges.

• Refinancing: If you have good credit and interest rates are more favorable than they were when you got your original mortgage, it may be possible to refinance your mortgage—that is, replace your original loan with a new one with more affordable payments.

• Short Sale or Regular Sale of your property

F A C T #3

YOU DON’T HAVE TO PAY ANYONE TO HELP YOU AVOID FORECLOSURE.

counseling agency. Foreclosure scammers might tell you they’ll save your home from foreclosure, when they’re really just taking your money.

Watch for these scam warning signs: • You’re asked to pay upfront for help.

• The company guarantees it will get the terms of your mortgage changed.

• The company guarantees you won’t lose your home.

• You’re asked to sign over title to your home or to

HOW CAN A LOAN MODIFICATION BENEFIT YOU AND YOUR FAMILY? Mortgage modification can be a major benefit to families facing income loss and hardships due to Covid-19. If your financial outlook has taken a downturn and you’re worried about losing your home to foreclosure, reach out to your lender and HUD Housing Counselor to see how they can help. While your credit may take a hit in the process, you’ll come out in better shape in the long term—both financially and emotionally—if you avoid foreclosure and stay in your home.

HOW CAN I WATCH OUT FOR SCAMS? A HUD-approved housing counselor can help you figure out which available options may work best for you. You don’t have to pay anyone to help you avoid foreclosure.

The help you need is available at no cost to you from your servicer, or through a HUD-approved housing

sign other documents you don’t understand.

• You’re instructed to send your payment to someone other than your mortgage company or servicer.

• The company offers to do a “forensic audit.”

• You’re told to stop paying your mortgage.

• The company says they’re affiliated with the government or uses a logo that looks like a government seal but is slightly different.

HOW CAN I RECEIVE INDIVIDUAL HOUSING COUNSELING HELP? Please visit our website at www.myhomeownership. org to sign up for individual housing counseling help or to sign up for one of our free online workshops.

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Media Corner

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With small businesses taking a hit this past year, marketing is something you cannot afford to ignore.

There are different types of marketing videos. Some meant to educate and others meant to entertain. But they all have one thing in common; they add value. In today’s social-media-driven world, a solid video along with some marketing efforts will help your business reach its goals.

Below are some tips to making a great video.

1

TURN BLOG POSTS INTO VIDEOS

Don’t fall victim to “paralysis by analysis” by trying to come up with new video content. There’s no need to start from scratch. You can simply turn your past blogs and posts into video content. This is a great way to reach a new audience while recycling your content that has worked for you in the past.

2

PUT A VIDEO ON YOUR LANDING PAGE

This can increase interaction by 80% and the amount of time visitors spend on your page. This will also increase your bottom line. With more time spent on your page, visitors will absorb any value-adding message you wish to convey. Make sure your landing page video is of high quality with a great thumbnail embedded with a standalone platform such as YouTube or Vimeo.

3

INTERACT WITH YOUR AUDIENCE BY USING LIVE VIDEO

Speaking directly with your audience is a great way to connect with them. One way to do this is to schedule a Q&A session by letting your audience know when you’re going live so they can join in ask questions in real time. If your audience isn’t quite as big to do this, create a video answering Frequently Asked Questions (FAQ) in your field.

With platforms like Facebook, Instagram and YouTube, you’re sure to cast a wide net.

4

SPARK INTEREST WITH TEASER VIDEOS

Avoid lulls with your audience by creating mystery and excitement around your company. This can as easy as shooting a short teaser video about your new product or any big events that may be coming up. A teaser video can be as short as a few seconds and be effective.

5

PROVIDE WORKSHOPS WITH SCREEN CAPTURING

A sure-fire way of adding value is providing workshops which provide education. Screen capturing is a great way to do this. Whether your topics are tips for first time home buyers, how to choose your agent, how to flip a house or remodeling your home, this is a very engaging way to connect with your audience.

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VAREP aims to bring light to the issues that affect the veteran community.

Post-Traumatic Stress Disorder (PTSD) is one of many issues that our veterans face on a daily basis. As well as affecting the veteran community, PTSD can also affect anyone who has experienced trauma. For this issue of the RT we wanted to make people aware of the many myths surrounding PTSD. Although most people will experience some type of trauma in their life, not everyone goes on to develop PTSD.

ONLY ABOUT

6.8%

of American adults will develop lifelong PTSD after trauma.

ARTICLE BY THE RECOVERY VILL AGE W W W.RECOVERY VILL AGE.COM

MYTH: PTSD ONLY AFFECTS MILITARY VETERANS. FACT:

PTSD can impact anyone who experiences, witnesses or has second-hand exposure to a traumatic event.

Usually when people think of PTSD, they often associated it with military veterans.

Veterans are not the only people affected by PTSD. Although they may be at increased risk given the traumatic and violent nature of war or military service, trauma comes in many forms and can impact people from all walks of life.

There is a variety of events that can be considered traumatic for people, such as experiencing or witnessing domestic violence, an accident, sexual assault, or the death of a loved one. While there is no specific set of criteria for those who might develop PTSD symptoms, there are some factors that can increase risk. For example, people who have experienced trauma in childhood, People with anxiety or depression and People who live or work in high-risk or stressful environments may be at increased risk of developing PTSD.

MYTH: PTSD OCCURS IMMEDIATELY AFTER A TRAUMATIC EVENT. FACT: Symptoms of PTSD can take months or years to appear.

When someone goes through a traumatic experience, the assumption may be that if they are going to have symptoms of PTSD, the signs will start emerge shortly after the event. However, this isn’t always the case, and some people may not show symptoms of PTSD for years. This is known as delayed-onset PTSD, and is diagnosed if the condition develops at least 6 months after the traumatic event.

Delayed-onset PTSD affects estimated 4–6% of people that have PTSD. Although symptoms of PTSD typically emerge around three months after a traumatic event, some people may not experience any symptoms at all for a number of years.

SHATTERING PTSD MYTHS



MYTH: PTSD IS A SIGN OF WEAKNESS. FACT:

PTSD is not at all related to weakness.

PTSD is a diagnosable mental disorder, that is linked to changes in the brain and alterations to how a person responds to fear. For example, experiencing trauma can impact cognitive functions like memory, attention, and problem-solving. Trauma can also be related to an increased fear response, even when a situation is not truly threatening. These processes can become learned or automatic following a traumatic experience. The responses and behaviors that are part of PTSD are not voluntary; they are the brain’s way of protecting a person from threat or danger.

The fear response must happen quickly (like the fight or flight response) and does not involve rational thought. Therefore, people with PTSD do not have a choice and simply exert strength over PTSD symptoms. Living through trauma can shape how a person behaves, and they can become particularly vulnerable to feelings of fear or extreme sadness. However, these reactions are part of changes to the body and brain following trauma and are due to a mental health condition. There is nothing weak about PTSD.

MYTH: EVERYONE WHO EXPERIENCES TRAUMA WILL DEVELOP PTSD. FACT: Relatively few people who experience trauma will develop PTSD. Although most people will experience a traumatic event in their life, it is estimated that only about 6.8% of American adults will develop lifelong PTSD after trauma. It’s not entirely clear what predicts whether someone will develop PTSD or not, but several theories have been put forward as to factors that might increase someone’s vulnerability. For example, rates of PTSD are typically higher among women, people from higher income countries and among people who suffer from other mental health conditions. Experiencing repeated trauma, having had more negative life events (i.e. divorce, problems at work), Low social support and Low self-esteem are Other factors that might contribute to being more vulnerable to developing PTSD. It’s important to note that these factors are not related to personal choice but are likely a result of a person’s environment or life circumstances. It’s thought that these environmental or personal factors can reduce a person’s resilience, which is their ability to cope with hardship or change. When a person experiences repeated difficulty, they may have fewer resilience resources left, which can amplify the effects of additional trauma.

SHATTERING PTSD MYTHS | CONTINUED



MYTH: EVERYONE WITH PTSD EXPERIENCES THE SAME SYMPTOMS. FACT: Relatively few people who experience trauma will develop PTSD. The diagnosis of PTSD includes a variety of symptoms, and there are many different ways that PTSD can present. Based on the Diagnostic and Statistical Manual of Mental Disorders, version 5, PTSD symptoms are included in four clusters. These are: 1. Re-experiencing symptoms: intrusive thoughts or dreams related to re-living the trauma.

2. Avoidance: actively avoiding any thoughts, places or potential triggers related to the trauma.

3. Negative thoughts and mood: difficulty remembering parts of the trauma, unusual or illogical thoughts related to why the trauma happened.

4. Arousal symptoms: difficulty sleeping or concentrating, being easily startled A diagnosis of PTSD requires that a person has at least one symptom from each of these clusters for at least a month. Because a range of symptoms fall under each cluster, someone with PTSD could have any combination of symptoms. This means that PTSD could look very different from one person to the next. For example, while one person may have symptoms involving reexperiencing dreams and having difficulty concentrating, someone else may not have any difficulty sleeping but have an elevated startle response. There is no one way for PTSD to present, and the symptoms experienced can depend on the person and the type of trauma experienced.

PTSD COULD LOOK VERY DIFFERENT FROM ONE PERSON TO THE NEXT.

SHATTERING PTSD MYTHS | CONTINUED



MYTH: PEOPLE WITH PTSD ARE VIOLENT. FACT:

People with PTSD are not usually violent.

Having PTSD can be extremely frustrating, as people are re-living their most traumatic experiences frequently. People deal with stressful and challenging symptoms in different ways. Some people may withdraw, some may appear fearful or jumpy and a small proportion may act violently. There is a common misconception that people with PTSD are all violent or dangerous, but this isn’t universally true.

It’s important to note that people with PTSD who become violent are in the minority, and violence is not included as a feature of a PTSD diagnosis. Research supports that there is little or weak evidence to show that PTSD is related to higher rates of violent crime. People can deal with PTSD and triggers in many different ways, but reactive behavior comes from a place of fear and threat, rather than violent desire. For the portion of people with PTSD who may demonstrate violent behavior, they are more likely to have more symptoms in the hyperarousal cluster.

Violence among people with PTSD has been shown to be much higher in people who also have a substance abuse disorder. Substance use can amplify some of the feelings of fear that occur with PTSD and can lead to more extreme

MYTH: PTSD WILL JUST GO AWAY OVER TIME. FACT:

The majority of PTSD cases will not resolve on their own. reactions, including violence.

One of the underlying factors of PTSD is that a person has built an association between experience or trigger and distressing thoughts or behaviors. These associations can be strong, and it can take a long time and much work to undo them. People with PTSD might avoid treatment for obvious reasons; treatment often requires talking about and thinking about trauma. While the experience of working through trauma can be difficult, it can also allow a person to return to living their life without fear or anxiety.

There are certainly cases where PTSD may be reduced or even go away on its own over time. However, this can depend greatly on the type of trauma experienced, personal history of trauma, any other mental conditions, personality and other aspects of a person’s life at the time. These factors can make it hard to predict who may or may not experience a reduction in PTSD symptoms over time.

Seeking support for PTSD from a professional can help a person get a sense of what recovery might look like for them. With the right type of help, someone who suffers from PTSD may be able to return to their normal functioning sooner and experience fewer symptoms in the future.

SHATTERING PTSD MYTHS | CONTINUED



MYTH: PTSD ISN’T TREATABLE. FACT:

PTSD can be treated, and there are many different treatment options.

PTSD can be highly distressing and persistent, and people with PTSD may feel like they will forever carry feelings of fear or threat. Thankfully, there are several evidenced-based treatments for PTSD that can help people address triggers and symptoms and move beyond their traumatic experience.

The type of treatment that may be most suitable can depend greatly on the type of trauma experienced, the severity and type of symptoms, and the personality and environment of the person suffering from the condition. Talking through experiences, personal background, beliefs about trauma and any other mental health conditions can help a professional provide advice on the most suitable treatments. Some of the treatment options for PTSD include: • Eye movement desensitization and reprocessing (EMDR) • Cognitive behavioral therapy • Group therapy • Prolonged exposure therapy • Medication • Family therapy

Help is on t he way!

Seeking treatment for PTSD can greatly improve symptoms, health, and quality of life. Understanding and re-evaluating traumatic experiences can help people to move beyond trauma, and regain control over thoughts and feelings related to trauma. Individuals who struggle with the disorder often feel misunderstood — and for good reason. People with PTSD may resist telling their friends or loved ones about the diagnosis, for fear they’d be viewed as dangerous or unstable. They might resist treatment, erroneously believing that the best way to fight PTSD is to just “be mentally strong.”

SOURCES: https://www.therecoveryvillage.com/mental-health/ptsd/related/ptsd-myths/ | https://www.ncbi.nlm.nih.gov/pmc/articles/ PMC4096796/ | http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.876.1141&rep=rep1&type=pdf | https://www.frontiersin. org/articles/10.3389/fnint.2012.00089/full | https://www.hartgrovehospital.com/five-myths-and-five-facts-about-ptsd/ | http://www. ptsdalliance.org/common-myths/ | https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2875386/ | https://www.mentalhealth.va.gov/coe/ cih-visn2/Documents/Provider_Education_Handouts/Epidemiology_of_PTSD_Version_3.pdf | https://pubmed.ncbi.nlm.nih.gov/26001922/ https://pubmed.ncbi.nlm.nih.gov/24470838/ NOTE: this article is not meant to be used as or substituted for medical advice. For help, please consult a qualified healthcare provider.

IF YOU, OR ANYONE ELSE THAT YOU KNOW ARE STRUGGLING WITH PTSD, YOU CAN GET HELP FROM THE PTSD FOUNDATION OF AMERICA VETERAN LINE AT:

(877) 717-PTSD (7873) THEY PROVIDE REFERRALS, INFORMATION AND HELPFUL RESOURCES TO VETERANS AND THEIR FAMILIES 24/7.

SHATTERING PTSD MYTHS

THE PATH TO SUSTAINABLE HOMEOWNERSHIP VAREP’s Housing Counseling Department is a HUD Approved Housing Counseling Agency providing home buying, credit, budget, post purchase and foreclosure prevention counseling services to Veterans, Active Military and the community nationwide. Over the past year, from January to December 2020, we provided the following housing counseling services:

2021 COUNSELING & OUTREACH STATISTICS

416

306 84 222

GROUP WORKSHOP PARTICIPANTS FROM VHS CHAPTER EVENTS

INQUIRIES FOR SERVICES

CLIENTS COUNSELED

1 ON 1 HOUSING COUNSELING CLIENTS

TYPES OF COUNSELING PROVIDED

124 27

PRE-PURCHASE HOMEOWNERSHIP

28

POST PURCHASE

29

FORECLOSURE PREVENTION

16

FINANCIAL HOMEOWNERSHIP SUSTAINABILITY COUNSELING

26

CREDIT COUNSELING

VISIT W W W.VE THOMEOW NERSHIP.COM OR CALL : 8 8 8. 27 3.72 6 7

5,500 LMI HOUSING INQUIRIES INTERNET, TELEPHONE & COMMUNITY EVENTS

1,500 LMI FAMILIES RECEIVED PRE-PURCHASE, CREDIT & HOUSING COUNSELING

850 VETERAN FAMILIES SUCCESSFULLY PLACED IN HOMES THROUGH OUR PROGRAMS

350 VETERANS WERE REFERRED TO HUD VASH PROGRAM

600 VETERANS ENGAGED IN CREDIT COUNSELING TO IMPROVE FINANCIAL READINESS

3,100 VETERANS & SERVICEMEMBERS

* Statistics from 2014-2021

EDUCATED ON VA HOME LOAN BENEFIT, IMPORTANCE OF GOOD CREDIT & HOME BUYING PROCESS THROUGH COUNSELING & OUTREACH EVENTS

VISIT W W W.VE THOMEOW NERSHIP.COM OR CALL : 8 8 8. 27 3.72 6 7

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LEGISLATIVE CORNER “To maintain the momentum from the Policy Conference, I have appointed G-II Varrato, Yeimalis AcevedoRasmussen, Robbie Grossman, Lynn Jabs, Nacho Castro, Rod Beck, Victoria Blass and Michael Hamilton to form VAREP’s National Legislative Committee (NLC). The NLC’s task is to do the background and heavylifting work necessary to move our mission and the bill forward.”

- Son Nguyen, VAREP Founder & President

G-II Varrato NLC Chairman U.S. Air Force

30

Yeimalis Acevedo-Rasmussen NLC Member

Robbie Grossman NLC Member

Lynn Jabs NLC Member Patriot

Patriot

Patriot

Nacho Castro

Dex Cajigal

Victoria Blass

Michael Hamilton

NLC Member

NLC Member

NLC Member

NLC Member

U.S. Army

U.S. Marines

Patriot

Patriot

IT’S TIME FOR AN UPDATE ON THIS YEARS NLC’S EFFORTS Well, it’s a new year and a new congress. On January 3rd 2021 the 117th Congress of the United States was sworn in.

On January 20th 2021 a new administration took the helm of the most powerful Nation on the planet. These next two years will be two of the most important legislative years VAREP has ever engaged.

Forty Six members of the House of Representatives seats changed and 24 members of the Senate seats changed.

It’s important that the VAREP NLC Team be cognizant of the states where these changes occurred. With the reality that COVID-19 will be with us this year, there is a high likelihood that in person one-on-one meetings with members of congress and/or their staff will be limited at best or nonexistent at worst. However the VAREP NLC will begin reaching out to all of the new members of congress and of course rekindling the relationships that were forged. A list of the states with new members of congress will be included at the end of this article.

VAREP VSO CHARTER EFFORTS As you know, VAREP has been on the hunt for legislators who will support VAREPs desire to become the 93rd Chartered VSO (Veterans Service Organization). In the 116th Congress VAREP gained cooperation and support of Congressman Clay (D) and Congresswoman Ann Wagner (R) to introduce legislation in the House that drafted by VAREP, and would grant VAREP a Congressional Charter status as a VSO. Unfortunately, Representative Clay lost his primary challenge to Cori Bush who also won the House seat in the 2020 election.

Prior to the 2020 election, VAREP’s NLC successfully moved our legislative efforts with Representative Clay’s office over to Representative Derek Kilmer. For a number of reasons, far outside the control of both Congress and the VAREP NLC, our bill did not get introduced in the 116th Congress. However, the NLC is 100% confident that our bill will be introduced shortly once the new administration is in place. Keeping an eye on our goal, VAREP WILL become a Congressionally Chartered VSO in the 117th Congress and with good winds at our back, perhaps in 2021.

THE URLA BATTLE If you follow the NLC section of Roger That regularly, you’ll recall that on January 13th, 2020 senator Jacky Rosen introduced Senate bill 2835, Access To Affordable Housing For Veterans Act. This piece of legislation was a redo of the original H.R. 2777. Initially the legislation had not been configured correctly in-as-much of the initial language, crafted late in 2019, did not include a very important element that centered on the reconfigured and misconfigured URLA. Recall too, that the VAREP NLC helped Senator Rosen’s staff make the necessary corrections.

As of the writing of this article, we are only 72 hours into the 117th Congress. Thus only four (4) actual bills had been introduced in either the House or the Senate. The following bill numbers actually begin at the number 479, as the first 474 had to do with the swearing in of the 117th Congress, both on the House and Senate side.

31

LEGISLATIVE CORNER I mention all of the above to simply offer some understanding of the litigious processes that encumber the introduction of new legislation onto the House or the Senate. Again, to date, as of the writing of this article, 72 hours into the 117th Congress, over 1,200 pieces of legislation have been introduced in either the House or Senate. Now on to VAREPs URLA Battle. The NLC has reached out to Senator Rosen’s and Senator Sinema’s office for an update on when they will re-introduce the Access to Affordable Housing for Veterans Act of 2019 which replaced H.R. 2777 Give Veterans Home Loan Choice Act 2018. I can only report that the legislation is alive and is pending introduction after the two new Democrat Senators are sworn in, sometime in the 2nd week of January, but not before the inauguration of the new administration.

LEGISLATIVE EFFORTS VAREP WILL ENGAGE IN THE 117TH CONGRESS This list of legislative efforts will also include the successful legislation that has been either advancing through Congress or has in fact been signed into law.

S. #### Access to Affordable Housing for Veterans Act of 2021 which replaced H.R. 2777 Give Veterans Home Loan Choice Act 2018 Senator Jacky Rosen (NV-D) & Senator Kyrsten Sinema (AZ-D) S. #### Reducing Loan Fees For Certain Veterans Affected By Major Disasters Senator Kyrsten Sinema (AZ-D) S. #### - A bill to amend title 38, United States Code, to provide for a reduction in certain loan fees for certain veterans affected by major disasters.

Senator Mazie Hirono (HI-D) SUPPORTED BY VAREP

S. #### Veteran Benefits Enhancement and Expansion Act of 2021 Senator Mazie Hirono (HI-D)

S. #### Fair Housing Improvement Act of 2021 Senator Tim Kaine (VA-D)

H. R. #### Fair Housing Improvement Act of 2021 Rep. Peters (CA-D), Adam Schiff (CA-D), Raul Grijalva (AZ-D) & Ayanna Presley (MA-D)

VSO MISSION MAKING PROGRESS… WITH TEENY TINY BABY STEPS STATES WITH NEW MEMBERS OF CONGRESS ALABAMA – ARIZONA – CALIFORNIA – COLORADO – FLORIDA – GEORGIA – HAWAII – ILLINOIS – INDIANA – IOWA – KANSAS – LOUISIANA – MASSACHUSETTS – MICHIGAN – MINNESOTA – MISSOURI MONTANA – NEW MEXICO – NEW YORK – NORTH CAROLINA – OKLAHOMA – OREGON – SOUTH CAROLINA – TENNESSEE – TEXAS – UTAH – VIRGINIA – WASHINGTON – WISCONSIN and WYOMING

Stay Safe! Stay Healthy! And… keep your #SocialDistance #IAmVAREP G-II Varrato II is the VAREP National Legislative Committee Director

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Stop, Drop & Push

Campaign

Stop Drop Push would like to wish VAREP members, staff, and supporters a Happy New Year.

In the last newsletter you were able to learn about the great accomplishments SDP was able to achieve during a tough 2020. We were still able to raise money to help our hero’s in need, restructure our committee and develop a solid white paper. With that said however, we are far from reaching our long-term goals. We will be rolling out the fundraising programs and educational events throughout the year and have lined up several new and exciting programs that will be released during 2021.

We are excited to announce that we are partnering with the VA to rollout the S.A.V.E.: VA Suicide Prevention Gatekeeper Program. S.A.V.E. is the gatekeeper training program provided by VA suicide prevention coordinators to veterans and those who serve veterans and is a perfect fit with the SDP initiative. You may recall this program from our National Conference where it ranked as one of the best breakout sessions.

S.A.V.E. was developed by the Education Corps of the VA Center of Excellence for Suicide Prevention and is presented by Dr. Megan McCarthy, Deputy Director, Suicide Prevention. This program offers a general understanding of the problem of suicide in the United States, how to identify a Veteran who may be at risk for suicide, and finally, know what to do if you identify a Veteran at risk.

Using the simple steps of S.A.V.E., we can all make a difference. We are going to host 5 of these courses throughout 2021, so be sure to keep your eye open for the upcoming dates, as you do not want to miss out on these amazing educational events.

In acknowledging that there are so many charitable requests and needs, we can often forget why we even want to participate in one versus another. To keep the “why” in front of us, we would like to share some words from the veterans that SDP has been able to help thus far with your support and continued contributions:

Manuel Lopez, U.S. Marine Combat Veteran.

“I have been blown up four different times and contemplated suicide four different times, this is when I came to believe that Operation Shockwave was part of where I belong and where I need to be.”

Rose Martin, US Marine Veteran “My ptsd really, really, really had a grip on me, I just wanted to run away” After visiting Operation Restoring Hope, she had this to say: “I had the most amazing experience, I am anxiety free. I have not been anxiety free in many years.”

This is real life changing and lifesaving work we are doing and striving to do more of. We encourage you to visit our website and watch these stories, hear our hero’s words, and know that you are helping make a difference in saving lives.

Stay healthy and bless, Each of us has the opportunity to be that one person who makes a difference, the person who asks the question that can save a Veteran’s life, or the life of anyone struggling with the thoughts of suicide.

Tamra Coulter SDP Program Director

33

PROMOTING VETERAN STABILITY TO PREVENT VETERAN SUICIDE WHO WE ARE The Stop, Drop & Push Campaign is a featured program of the USA Homeownership Foundation, Inc. DBA Veterans Association of Real Estate Professionals (VAREP), a 501c3 nonprofit led by vets for vets to empower homeownership among the active-military veteran communities. While VAREP’s focus has been on veteran housing, we cannot stand idly by while our brothers and sisters remain part of the 22 statistic.

HISTORY OF THE NUMBER 22

STOP, DROP & PUSH MISSION

In 2012 the Department of Veterans Affairs released a 59-page report outlining veteran suicide. The report states the numbers of Veterans who die from suicide each day has remained relatively stable over the past 12 years (varying from 18 -22 per day).

To lead the charge in eliminating the 22 daily veteran suicides; by creating awareness and connecting veterans to alternative therapy so our heroes can rediscover their purpose.

ALTERNATIVE THERAPY

Research has determined that alternative therapy plays an important role in a “whole-body” approach to wellness on the road to recovery for many veterans. Some examples of alternative therapy include: • Animal-assisted therapy • Yoga

• Recreational therapy (martial arts, mountain climbing, rafting, etc) • Mindfulness and art therapy

951-268-1517 | info@stopdroppush.org 34

w w w.S TOPDROPPUSH.org

FACES IN THE CROWD “Faces in the Crowd” is a handful of responses to an intriguing question...

VAREP Members share their stories of all things VAREP related!

35

WHAT IS UNIQUE ABOUT VAREP? VAREP - Twin Cities, MN Chapter Helping Veterans understand their housing benefits

VAREP - Northern Virginia Chapter It shines a national spotlight on veteran housing needs.

VAREP - New Braunfels, TX Chapter They train their members to succeed personally and professionally.

VAREP - East Bay, CA Chapter Education and promotion of VA loans

36

VAREP - Atlanta, GA Chapter The level of involvement from “the top”, the rapid growth/ widespread reach.

VAREP - Houston, TX Chapter I like the fact that veterans are their priority.

VAREP - Central Florida Chapter They are a veteran Based non-profit within the Real Estate Industry

37

WHY DO YOU GIVE YOUR MONEY, TIME, OR ENERGY TO VAREP AND IT’S MISSION? VAREP - Central Florida Chapter It is a cause that provided me the opportunity to be a business owner.

VAREP - San Bernardino, CA Chapter I want to help by giving back to deserving veterans and disabled veterans.

VAREP - Northern Virginia Chapter Because I belive in helping our veterans

VAREP - Central Florida Chapter I served for 24 years myself. I give through my company every day. VAREP aligns with everything we do.

38

VAREP - St. Louis, MO Chapter So many reasons, here are a few -my dad and brother, uncles all Veterans ! The fact they fight and serve our country and for our freedom to protect America by risking their lives. I believe in what the mission stands for and to help spread the word within the Real Estate and to help dismiss the Myth about Veterans entitlement and benefits along with VA loans and myths.

VAREP - Central Florida Chapter I know the need to educate others about VA loans

VAREP - San Bernardino, CA Chapter To help vets be treated fairly in the home buying arena.

39

WHAT WOULD GO UNDONE IF VAREP CLOSED TOMORROW? VAREP - Northern Virginia Chapter No one advocating for home related issues on the hill that effect veterans in particular.

VAREP - Hampton Roads, CA Chapter There would be less people to care for our active duty and veterans.

VAREP - Miami, FL Chapter There would be a lack of education within the real estate community. They receive some training at the board of realtors but not as extensive and taught by passionate volunteers.

40

VAREP - Central Florida Chapter The care that they have for veterans

VAREP - St. Louis, MO Chapter Veterans working with our HUD certified counselor would not finish the process.

VAREP - Phoenix, AZ Chapter Veterans will not be a protected class and support to the VA loan will continue to be non-existent. Veterans will lose a great non-profit to turn to for education and support for the VA Loan.

41

“The willingness with which our young people are likely to serve in any war, no matter how justified, shall be directly proportional to how they perceive veterans of early wars were treated and appreciated by our nation.”

- George Washington

VETERANS ASSOCIATION OF REAL ESTATE PROFESSIONALS info@VAREP.net

w w w . V A R E P. n e t

951- 444 -7363