Mission: To assist veterans and service members with financial stability, affordable housing, economic opportunity, and VA Loan access through HUD-certified services.
Vision: A nation where every veteran and servicemember achieves stable housing, financial independence, and economic prosperity without barriers.
INTEGRITY: Acting with honesty and ethics.
EMPOWERMENT: Promoting financial stability and homeownership.
COMMUNITY: Building a supportive, inclusive environment.
RESPECT: Honoring veterans, servicemembers, and their families.
ADVOCACY: Removing barriers to housing.
In Service to God and Country, We Serve Veterans, Servicemembers, and their Families by:
• Upholding the Constitution of the United States.
• Providing HUD-certified financial and housing services to veterans and servicemembers.
• Supporting financial and housing stability for veterans and transitioning servicemembers.
• Protecting against unfair housing practices, SCRA violations, and VA loan bias.
• Providing affordable housing opportunities, minimizing foreclosure, and preventing homelessness.
• Educating housing professionals about the VA Home Loan Benefit, military, and veteran culture.
• Providing workforce and small-business development for veterans and servicemembers.
• Supporting healing through alternative therapy, outdoor immersion, and peer support programs.
• Advocating legislative changes that benefit veterans, servicemembers, and their families.
• Giving a hand up to those in need through grants and charitable programs.
of Service: 2011 – Present
Founded in 2011, the Veterans Association of Real Estate Professionals (VAREP) is a
HUD-Certified Affiliate and a Veteran Service Organization (VSO) dedicated to assisting veterans and servicemembers with financial stability, affordable housing, economic opportunity, and VA loan access through HUD-certified services. Our programs include workforce development, small-business development, foreclosure and homelessness prevention, mental wellness, and services for successful civilian reintegration.
To fulfill our mission, our Six-Point Plan takes a holistic approach to addressing the housing, financial, VA loan benefit, advocacy, and well-being needs of veterans and servicemembers, providing comprehensive solutions.
Champion policies that protect veterans’ housing rights, promote affordable housing, and ensure access to homeownership opportunities.
HUD-CERTIFIED SERVICES:
Provide veterans and servicemembers with counseling services for financial literacy, credit improvement, responsible homeownership, and homelessness prevention.
HUD counselors offers VA Loan Benefit case management, assisting with COEs, resolving challenges, and providing guidance to simplify the process.
Connecting veterans, servicemembers, and community heroes through the MVP Heroes Housing Network. Members receive personalized solutions and potential savings on real estate transactions.
Our Boots2Careers program offers job prep and placement services, while Boots2Business provides entrepreneurship training and resources for veteran startups.
Promote veteran well-being through multiple grant programs, a peer support resources network, and outdoor therapies for holistic recovery.
As we reflect on over a decade of advocacy, service, and growth, it is with great pride and gratitude that I present VAREP’s first annual report. This report highlights our remarkable journey from humble beginnings in 2011 to becoming a nationally recognized Veteran Service Organization in 2024.
VAREP holds the unique distinction of being the only VSO that is also a HUD-Certified Housing Counseling Affiliate. This dual role enables us to administer HUD’s financial and housing services to veterans and servicemembers, empowering them with the tools and resources to achieve financial stability and sustainable housing.
While the COVID-19 pandemic posed unprecedented challenges and temporarily slowed our progress, it also provided an invaluable opportunity to revamp and restructure our programs. These efforts have strengthened our foundation and positioned us for future growth, ensuring that we can continue to meet the evolving needs of veterans, servicemembers, and their families.
I encourage you to explore the following pages for a comprehensive look at our operations, programs, and financials. Through data, illustrations, and inspiring stories, this report reflects the impact we have made in the lives of veterans and their families.
To our members, partners, sponsors, and generous donors, I extend my heartfelt thanks. Your unwavering support has been the cornerstone of our achievements and the key to our continued success.
Respectfully yours,
Son Nguyen Navy Veteran, CEO & President
USA Homeownership Foundation, Inc.
VAREP was founded to address the unique challenges veterans and servicemembers face in securing affordable housing, accessing VA loan benefits, achieving responsible homeownership, and attaining financial stability.
• Launched VAREP Chapters nationwide to foster community engagement and educate housing professionals on VA loans and military culture.
• Hosted the first VAREP Policy Conference to advocate for housing, financial, and economic opportunities for veterans.
• Held the inaugural National Convention, bringing members and experts together to better serve veterans.
• Launched the “House a Vet” mortgage-free home donation program.
• Started “Freedom Flippers,” renovating homes for low-to-moderate-income veterans and community heroes.
• Became a HUD-Certified Housing Counseling Affiliate, offering financial and housing services focused on veterans.
• Educated thousands of veterans on VA loans and financial planning through community Veteran Housing Summits.
• Became a multi-state educator and provided real estate continuing education to train housing professionals on serving veterans effectively.
• Launched the “Stop, Drop, Push Campaign” for veteran suicide prevention through GAP funding for alternative therapies.
• Adapted to COVID-19 with virtual housing workshops and webinars.
• Advocated for VA loan borrower protections during the pandemic, influencing policy changes.
• Expanded philanthropic efforts by launching VETCares, Inc., to manage all philanthropic initiatives.
• Advocated for HUD services expansion to include veterans and servicemembers.
• Counseled veterans in default, preventing foreclosures and providing postdefault support.
• Opened Veteran Economic & Housing Outreach Centers (VEHOCs) in key states, offering in-person and virtual services nationwide.
• Established the MVP Housing Network to match military and community heroes with certified MVP Housing Ambassadors to assist them with their real estate needs. Heroes in this program potentially receive savings through the Real Rewards Program at closing or shortly afterwards.
5,000 + military families HELPED THROUGH VAREP CHAPTERS
10 NATIONAL CONVENTIONS EMPOWERING REAL ESTATE, LENDING, & HOUSING PROFESSIONALS TO BETTER SERVE THE MILITARY COMMUNITY
10 POLICY CONFERENCES
RESULTING IN 6 LEGISLATIVE VICTORIES FOR VETERANS AND SERVICEMEMBERS
20,000+
EDUCATED ABOUT THE VA LOAN BENEFIT THROUGH 133 HOUSING SUMMITS VETERANS & SERVICEMEMBERS
SOLD
LOW-TO-MODERATE INCOME FAMILIES THROUGH FREEDOM FLIPPERS PROGRAM
57 HOMES DONAT E D MORTGAGE-FREE TO DESERVING HEROES through House-A-Vet Program
$169,836
PHILANTHROPIC GRANTS GIVEN TO VETERANS & SERVICEMEMBERS NEEDING A HAND UP THROUGH VETCARES
$100,000 HOUSING GRANTS FOR DOWNPAYMENT & CLOSING COSTS TO VETERAN FAMILIES
80,000+ Housing Professionals
EDUCATED ABOUT THE VA LOAN, SCRA, & FAIR HOUSING
548 Homes & Land SERVING LOCAL COMMUNITIES
34 CHAPTERS 17 STATES
34 CHAPTERS | 17 STATES | 10 IN FORMATION
VAREP Chapters advance the national mission by educating veterans on homeownership, advocating for veteran-friendly policies, and providing direct support through community engagement and partnerships.
• Housing Industry Education: VAREP Chapters train real estate, lending, and housing professionals on military culture, the VA loan, and best practices to better serve veterans. This education helps eliminate barriers, ensuring the military community has equal access to housing opportunities.
• Advocacy: Support VAREP Nation policy positions locally for military community financial literacy, economic, and housing initiatives.
• Fundraising: VAREP Chapters host fundraising events, including sponsorships, charity golf tournaments, galas, and donation drives, to sustain their mission of veteran homeownership and financial stability.
• Philanthropy: VAREP Chapters organize philanthropic events through VAREPCares, including mortgage-free home donations, emergency aid, home repairs, and holiday support for military families, ensuring veterans receive the help they deserve.
• Industry Partnerships: Collaborate with mortgage servicers, real estate professionals, and financial institutions to expand veteran support.
Veteran Housing Summits: VAREP Chapters organize local summits to educate veterans on homebuying, highlighting their VA loan benefits and connecting them with VAREP National’s HUD-Certified Housing Counseling Program for personalized support.
5,000+ LOCAL VETERANS, SERVICEMEMBERS, AND THEIR FAMILIES HAVE BEEN GIVEN A HAND UP BY VAREP CHAPTERS THROUGH VAREPCARES .
CHAPTERS IN ACTION
Launched in 2017, the HUD Housing Counseling Division of USA Homeownership Foundation, Inc. (DBA VAREP), is the nation’s only HUD-Certified Veteran Service Organization dedicated specifically to the financial, housing, economic, and VA loan needs of the military community. We offer comprehensive homeownership education, financial counseling, lending support, real estate services, and community development initiatives tailored for veterans and servicemembers.
• VA Loan Education: Clear explanations of VA loan benefits and eligibility.
• Financial Preparation: Assistance in budgeting, debt reduction, and financial planning for homeownership.
• Credit Management: Strategies for improving credit scores, addressing credit challenges, and maintaining good credit health.
Homebuying Process Education: Counseling on each step of the homebuying process, from understanding loan applications to closing procedures, and everything in between.
• Credit Management: Strategies for maintaining and improving credit scores to ensure long-term financial health.
• Budgeting Assistance: Personalized guidance to manage expenses effectively, prevent debt accumulation, and maintain financial stability.
• Foreclosure Prevention: Early intervention and loan modification assistance to address potential financial challenges before they escalate.
• Annual Financial & Housing Checkups: Regular financial health reviews to identify potential risks early and prevent financial distress or foreclosure.
• Eligibility Assistance: Determining VA loan eligibility and securing Certificates of Eligibility (COE).
• VA Loan Education: Clear guidance on the VA loan process from application through closing. Personalized Case Management: Support to address and resolve unique homebuying challenges. Foreclosure Prevention: Third-party representation for veterans facing default, aimed at avoiding foreclosure and sustaining homeownership.
• Early Intervention: Identify proactive solutions to avoid foreclosure.
• Loan Modifications: Adjust loan terms, including interest rates or repayment schedules, for manageable payments.
• Repayment & Forbearance: Negotiate repayment plans or temporary relief for short-term financial challenges.
• Deed-in-Lieu & Short Sale: Guide you through alternatives when keeping your home isn’t feasible, minimizing financial impacts.
• Lender Collaboration: Serve as your advocate with mortgage servicers to secure attention and viable solutions.
Comprehensive Case Management: Provide complete guidance, tracking progress and handling documentation.
• Post-Foreclosure Support: Assist with housing solutions, credit rebuilding, and accessing resources if foreclosure occurs.
Credit Restoration Guidance: Personalized strategies to rebuild credit scores and restore financial health.
• Budget and Debt Management: Customized financial planning to manage existing debts, regain control, and prevent future financial difficulties.
• Homeownership Planning: Clear, actionable steps to prepare for future homeownership opportunities, including understanding eligibility for VA and conventional loans.
• Financial Education: Essential financial literacy resources tailored to veterans’ unique post-foreclosure needs, ensuring informed future decisions.
• Immediate Response Guidance: Assisting in navigating immediate post-disaster housing and financial challenges.
• Insurance Claims Support: Providing guidance on filing insurance claims effectively and efficiently.
• Financial Recovery Planning: Create financial action plans for short-term stabilization and longterm recovery.
• Housing Assistance: Connecting clients with temporary housing solutions and advising on rebuilding or relocation options.
• Coordination with Agencies: Facilitating collaboration with local, state, federal, and non-profit disaster relief organizations to ensure comprehensive support.
Education: Informing clients about fair housing rights and protections when buying, financing, or insuring a home.
• Complaint Assistance: Helping individuals navigate the process of filing fair housing complaints with appropriate agencies, including HUD.
• Advocacy: Actively promoting stronger enforcement and policies to protect veterans fair housing rights.
• Representation: Assisting clients directly in cases where fair housing rights have been violated, ensuring proper reporting and follow-up with HUD and related agencies.
Education: Inform servicemembers clearly about their rights under the Servicemembers Civil Relief Act (SCRA) and how to effectively utilize these protections.
• Personalized Case Management: Assist servicemembers individually to navigate housing, loan, and financial issues related to their SCRA protections.
• Housing and Loan Support: Provide specialized guidance to address housing and loan concerns, ensuring servicemembers fully benefit from SCRA protections.
• Foreclosure Prevention: Advocate for servicemembers facing financial hardship, negotiating solutions to maintain homeownership and financial stability.
For over 13 years, VAREP has been at the forefront of legislative advocacy and financial education, specifically benefiting veterans and servicemembers. Our grassroots approach involves communities, individuals, and organizations from a walks of life.
• Influences policy to protect veterans from predatory lending and enhance fair housing protections.
• Provides targeted education to promote informed use of VA loan benefits and prevent financial exploitation.
• Actively supports legislation and reforms aimed at expanding financial literacy and homeownership stability for the military community.
• Works directly with policymakers, lenders, and regulatory agencies to advance laws that protect veterans from predatory practices and foreclosure.
• Continuously champions housing equity, financial stability, and sustainable homeownership opportunities for those who have served our nation.
• 2019 Blue Water Vietnam Navy Act: Revised funding to protect bonus entitlements, maintain VA Funding Fee waivers for disabled veterans, and extend benefits to Purple Heart recipients on active duty.
• 2019 NDAA Amendment: Collaborated to mandate financial literacy training for servicemembers.
• 2019 Economic Growth Act: Close VA Refinance Program loophole, ending predatory lending against veterans.
• 2019 Protecting Affordable Mortgages for Veterans Act: Corrected an oversight that disqualified over 3,000 VA loans.
• 2020 URLA Update: Modified the Universal Residential Loan Application to include a military service question, simplifying veteran identification in home loan applications.
• 2020 Veteran Home Loan Disaster Recovery Act: Contributed to legislation allowing new VA loans for homes damaged by major disasters.
VAREP Federal Charter VSO Act
• VA Loan Informed Disclosure Act know as VALID Act
• Military Community Fair Housing Rights
• Veteran & Servicemember Financial and Housing Bill of Rights
Join us for 2.5 days at the VAREP Policy Conference, where leaders, advocates, and policymakers come together to shape the future of housing, financial, and economic opportunities for veterans and servicemembers.
This bill enhances financial literacy, fair housing protections, and interagency coordination to ensure veterans and servicemembers receive HUD-certified support for homeownership and financial stability. It mandates HUD-Certified Annual Financial & Housing Checkups, expands fair housing protections, establishes VA loan case management services, provides foreclosure prevention assistance, and requires military culture training for HUD-certified housing counselors to improve veteran-focused financial guidance.
Mandates a Federal Housing Administration (FHA) mortgage notice to enhance transparency by offering a “side-by-side” comparison of conventional, FHA, and VA loans, enabling veterans and servicemembers to make informed decisions on the best loan product for their needs.
This bill grants a Congressional Charter to the Veterans Association of Real Estate Professionals (VAREP). We are the only HUD-certified Veteran Service Organization supporting military community housing and financial needs.
VAREP is a state-accredited real estate education provider, active in over 10 states, offering targeted training to support the housing and financial needs of veterans and servicemembers.
• Military & Veteran Housing Certification (MVHC): Educates real estate professionals on VA loan benefits, encouraging confident usage of the VA loan program.
• Military & Veteran Lending Certification (MVLC): Advanced training for lending professionals focused on mastery of the VA home loan program.
• PCS Know Your Orders: Practical guidance for servicemembers navigating Permanent Change of Station (PCS), ensuring housing stability during transitions.
• CreditSmart Military Module: Developed with Freddie Mac, this course enhances financial literacy by providing practical guidance on financial readiness, deployment preparation, and avoiding predatory schemes.
• Homeownership Education & Literacy Program (HELP): This live comprehensive training covers essential topics including money management, goal setting, banking services, maintaining good credit, pre-purchase, and responsible homeownership. Upon completion, attendees receive a HUD Certificate, which can be used when applying for certain first-time homebuyer grants, further supporting their path to homeownership.
• Surviving-Spouse Housing Specialist (SSHS – In Development): Focuses on unique housing rights and benefits available to military surviving spouses, covering VA home loans, foreclosure protections, and critical resources like DIC and healthcare benefits.
• Military-Cultural Housing Counseling Certification (MCHCC - In Development): Specialized training for housing counselors to address the unique financial and housing needs of veterans, enhancing sustainable homeownership and financial stability.
The Veterans Economic & Housing Outreach Center (VEHOC) serves as a central hub, both in-person and virtually, offering tailored support to the military and veteran communities in housing education, financial stability, VA home loan assistance, foreclosure prevention, career development, and entrepreneur mentorship.
Homeownership Education and Counseling: Guidance on pre-purchase planning, budgeting, credit, the homebuying process, loan options, renting, reverse mortgages, and financial literacy.
• HOME Program: The Homeowner Outreach & Mitigation Engagement (HOME) program involves early intervention serving as a third-party liaison between mortgage servicers and defaulting borrowers exploring options to keep their homes.
• Fair Housing and Financial Protections: Education and resources to address housing discrimination, SCRA violations, predatory lending, and financial scams, including reporting issues to appropriate authorities.
• VA Loan Support Services: Expert guidance on VA loan eligibility, obtaining COEs, addressing MPRs, and navigating challenges like Tidewater, ensuring affordable homeownership for veterans.
Fresh Start Program: Helps borrowers rebuild after foreclosure or default with counseling, credit repair, debt settlement, and housing education to prepare for future homeownership.
• Boots2Careers: Supports veterans and servicemembers in transitioning to civilian careers by providing resume assistance, interview coaching, professional clothing resources, and access to job fairs and internships (as available).
• Boots2Biz: Offers mentorship, business planning guidance, financial management resources, and tools to help veterans overcome challenges and build sustainable, successful businesses.
• Philanthropic Grants: Through our partnership with our sister organization, VETCares, we provide direct financial assistance and support to military families and veterans facing hardship or unexpected challenges.
495 E Rincon St Ste. 110 Corona, CA 92879
5201 E. R.L. Thornton Dallas, TX 75223
Our VEHOC services are available nationwide to the military community through convenient phone or Zoom consultations.
A TRANSFORMATIVE 3-DAY EVENT BRINGING TOGETHER MEMBERS, NONMEMBERS, AND PATRIOT SUPPORTERS FROM ALL BACKGROUNDS.
Join thought leaders, advocates, educators, and industry experts as they collaborate to shape the future of housing, financial stability, economic growth, and philanthropic opportunities for veterans, servicemembers, and their families.
• Education
• Industry Expertise
• Networking Opportunities
• Veteran-Centered Solutions
• Professional Development
• Personal Growth and Renewal
We receive donated homes through our partners, renovate and award them mortgage-free to qualified veterans, servicemembers, and surviving spouses throughout the country. The House-a-Vet initiative was developed to make homeownership a reality for those who sacrifices greatly for our country. MORTGAGE-FREE
Transforming neglected properties into vibrant homes, we renovate and resell donated properties from partners to qualified low-to-moderate income families nationwide. Through our 14-day First-Look Program, first responders, teachers, and civil servants get priority access, with closing costs covered to help them start fresh in a home of their own.
Since 2019, U.S. Bank’s Repair Assistance for Military Personnel (RAMP) program has provided critical home repairs to veteran homeowners, ensuring their homes remain safe, accessible, and livable. Through partnerships with organizations like VAREP, the RAMP program has made a tangible impact by funding essential repairs such as handicap ramps, bathroom mobility retrofitting, HVAC replacements, and new roofing.
In 2023–2024, RAMP partnered with VAREP on three projects, assisting veteran families in Prescott Valley, AZ (2 projects) and Louisville, KY (1 project). These efforts provided $58,242.80 in home repairs, demonstrating a shared commitment to improving veterans’ quality of life.
To date, the program has successfully completed 29 projects nationwide through nonprofit partnerships.
Our program focus areas include suicide prevention education; alternative therapies gap grants; home buyer closing cost grants; emergency financial assistance; Trauma (Military Sexual Trauma & domestic violence) thriver grants; and outdoor healing adventures for those re-discovering purpose and tranquility.
Our programs ensure that veterans have access to the resources they need to overcome economic, social, and personal challenges they face to build a better future for themselves and their families. Our goal is to achieve short-terms objectives while ensuring Long-term Sustainability.
We rely on private foundation grants, public support donations, corporate fundraising and many other ways of giving – Please help our mission, programs, and services – Donate Today!
“THERE
IS NOTHING MORE REWARDING THAN BEING ABLE TO PROVIDE EDUCATION, SUSTAINABLE SOLUTIONS, RESOURCES, AND GRANTS TO VETERANS THAT HAVE SACRIFICED SO MUCH FOR OUR FREEDOM. THE TRANSFORMATION OF THE LIVES WE TOUCH ARE HEARTWARMING. WE THANK ALL OUR DONORS FOR THEIR SUPPORT AS VETCARES CONTINUES TO BLOSSOM WHILE ASSISTING ONE VETERAN AT A TIME.”
CARLA LEMON VETCARES EXECUTIVE DIRECTOR
SDPG is a collaboration with organizations around the United States that offer holistic alternative therapy to help with the healing process of our veterans. SDPG provides gap funding for veterans’ travel, lodging, food, and fees associated with attending alternative therapies across America.
“THE SDP GRANT WILL HELP US HOLD MORE LEADERSHIP UNIT TRAINING AND PREVENT
Statistics show sustainable homeownership brings financial stability, less stress, and strong family bonds. CCCG is offered to qualified first-time active-duty and veteran home buyers who need a hand up when purchasing a home. Named after Sr. Chief Robert Calloway, a real estate agent and deacon, an original VAREPer who served in different posts including the VAREP national board. He is missed but his legacy lives on.
ANDREW JONES FOUNDER, OPERATION SHOCKWAVE
Everyone has tough moments when they need a hand-up. This grant assists qualified active-duty or veterans with critical needs such as: overdue bills, rent/mortgage, groceries, auto payment/insurance, auto repair, child & dependent care, and critical baby items.
“I WOULD HAVE LOST MY HOME WITHOUT THIS HELP. I’M REALLY EXCITED TO SAVE MY HOME. HUGE RELIEF, I’M OVER THE MOON, THIS WEIGHT WAS LISTED OFF MY SHOULDERS AND YOU HELPED ME TO GET PAST THIS.”
SAUNDIA MVEG GRANT RECEIPT AIR FORCE VETERAN
After working with many alternative therapy organizations, we designed CampCares as outdoor healing peer therapy retreat which include hunting, fishing, backcountry hiking, conservation, equine therapy, and meditation programs that are immersed in nature’s solitude to heal the soul.
For us to be sustainable, and in addition to the generosity of our individual, community, and corporate partners, we accept vehicles and real estate properties across America. The money from these donations go directly to our veteran programs.
“HERE AT CAMPCARES YOU CAN RELAX IN THE BEAUTY OF THIS PLACE. WE SHARE IN TRADED WAR STORIES BACK AND FORTH, TALKED ABOUT FAMILIES, RELAXED AMONGST ONE ANOTHER IN SHARED EXPERIENCES. FIRST TIME ON THE YELLOWSTONE RIVER, MAN, THE SCENERY IS GORGEOUS. YOU DON’T GET TO SEE THIS BEAUTY EVERY DAY. A BAD DAY FISHING IS BETTER THAN A GOOD DAY AT WORK.”
JAMES ARMY VETERAN, CAMPCARES PARTICIPANT
CampCares, a featured outdoor peer therapy retreat of VETCares, Inc., is designed to provide outdoor peer therapy retreats including hunting, fishing, backcountry hiking, conservation, equine therapy, and meditation programs that are immersed in nature’s solitude to heal from past traumas and quiet the soul.
As our Founder and President stated in his letter, we are a PEER support organization focused on providing holistic programs for veteran assistance and healing. CampCares is a vital part of a veteran’s reintegration and healing journey. We know that healing is an ongoing process and while traditional medical methods are effective, they are more powerful with the elements of PEER support groups to listen and share lived experiences. The guided outdoor retreats with the PEER specialists set the tone during the 10-day advance prep work, 5-day retreat, and a 45-day post-retreat and debrief completes the CampCares retreat program. We plan to launch a CampCares alumni PEER network for continued support in the future.
VETCares held its first CampCares retreat in July 2022 in Pray, Montana. CampCares’ cabins are nestled in the Montana valley and surrounded by majestic mountains with a river running. Fly fishing has shown to change lives by learning this new sport successfully. This recreation teaches techniques that feel unnatural in presentation, requires patience, listening and practice. Practical skillsets for reintegration and healing.
We approved three participants and they arrived a bit uneasy, anxious, and unsure of what to expect. It takes courage to hop on a plane and travel to a destination you most likely have not been, participate in experiences that are unfamiliar to you, and be immersed in programs where you rely on volunteers and coaches that you barely know. As the beauty of the country starts to take hold of their souls, the attendees mindset slowly morphs re-
laxing them. This can be seen through body language, communication, and eagerness to know what’s next. Local professional guides are up next, front and center sharing the art of fly fishing with the participants. This seems difficult at one point, and before they know it, the participants are casting and pulling in their first catch at Sage Lodge’s beautiful practice pond. The ear-to-ear grin of success is amazing and indescribable from their first day of instruction.
The next 2 days are spent floating the wild and scenic Yellowstone River with the professional guides. No phones, no work, no electronics, no responsibilities, no bad memories . . . just calm, fun, excitement and the occasional whoops and hollers of a “Tight Line”. After a full day on the river, the veterans return to camp for nourishment and fellowship around the campfire, under the star filled canopy “Big Sky” recapping lessons of the day and discussions on healing, goals moving forward, and tools to take home to continue the process of healing upon returning home.
No words can capture how elated we are to have held the first successful CampCares. We graduated three participants, but more importantly, the veterans receive what they traveled for . . . a safe space in an outdoor setting for veterans to openly share, let their armor down, discuss amongst each other their shared and collective experiences, how they have transitioned, and where they are headed.
Thanks to generous donations, the retreats are at no cost to the veteran participants. We look forward to expanding the program and the number of camps each year through your generous donations so that we may continue to serve Veterans on the “Edge of Healing.”
VAREP is committed to strengthening its advocacy, expanding housing assistance programs, and enhancing veteran-focused financial solutions. By collaborating with industry leaders, government agencies, and dedicated community partners, we will continue to break barriers and create sustainable opportunities for those who have served.
81,000 VA-backed loans are seriously delinquent (90+ days), with over 100,000 more delinquent when adding 30+ day delinquent loans.
If left unaddressed, this growing wave of defaults could lead to increased veteran homelessness, negatively impact mental health, and push the veteran suicide rate, now at 16.8 per day, back toward the devastating 22 per day statistic we fought so hard to reduce.
We will not stand idly by as VA loan default rates continue to rise. VAREP will work side by side with mortgage servicers, industry leaders, policymakers, and the VA to prevent improper veteran foreclosures, provide a Fresh Start for those who have gone through default, and create future homeownership opportunities to ensure long-term financial stability.
This is a national crisis that demands a national response. We call on Veteran Service Organizations (VSOs), the military, the veteran community, and the American public to bring this issue into the light.
Through collaboration and awareness, real solutions will be on the horizon. As a HUD-Certified Agency, VAREP is launching the Homeowner Outreach & Mitigation Engagement (HOME) program, a proactive solution designed to engage, educate, and support veterans in distress before foreclosure becomes inevitable.
Cash And Cash Equivalents
Homes Under Construction Held For Sale
Other Assets
Property And Equipment, Net
Total Assets
Accounts Payable
Accrued Expenses And Deferred Revenues
Notes Payable
Total Liabilities
Net Assets
Total Liabilities And Net Assets
Revenues And Support
In-Kind Donations
Donations, Grants And Fundraisers
Membership Dues
Total Revenues And Support
Operating Revenues
Sale Of Rehabilitated Real Estate
Other Revenues
Total Operating Revenues
Total Revenues
$758,036
$1,832,627
$2,156
$9,222
$594,566
$145,900
$566,035
$1,306,501
$1,295,540
$2,602,041
$736,679
$1,698,300
$14,939
$10,885
$1,507,426
$1,875,902
$21,259 $16,402
$2,399,885
$1,333,097
$92,579
$65,965
$22,611
$484,075
$572,651
$1,888,152
$10,477 $23,145 $497,781
$531,403
$2,889,586
$59,542 $197,348 $775,768
$1,032,658 $3,953,018
$1,694,248
$384,324
$2,078,572
$2,246,130 $1,733,126
$126,437
$2,035,155
$119,756
$10,885
$1,592,000 $1,969,618
$138,465
$2,597,000 $28,021
$2,625,021
Program Services And Expenses
Management And General Expenses
Fundraising Expenses
Other Net Expenses (Income)
Total Expenses
(Decrease) Increase In Net Assets
Net Assets , Beginning Of Year
Net Assets, End Of Year
$4,984,437
$452,815
$686,493
$373,000
$6,496,745
$-592,612
$1,888,152
$5,462,439
$652,148
$1,049,951
$97,500
$7,262,038
$-1,001,434
$2,889,586
$6,183,388
$434,612
$924,933
$-154,397
$7,388,536
$-1,063,432
$3,953,018
$1,967,809 $3,016,587 $44,424 $6,316 $2,206,200 $1,609,420 $74,409 $3,899,127 $35,611 $3,934,738 $2,112,609 $2,415,254 $434,463 $23,350 $1,844,400 $2,689,225 $82,397 $2,541,101 $54,470 $2,595,571
$75,023 $416,833 $619,464 $1,111,320 $3,923,816
$2,460,803 $3,420,989 $4,985,676 $5,035,136
Liabilities And Net Assets Expenses $5,035,136 $3,890,029 $7,824,767 $4,985,676 $4,616,022 $7,211,593
$5,956,259
$380,053 $645,739 $200,341
$7,182,392 $29,201
$3,923,817
$6,409,617 $251,731 $418,798
$15,912
$7,096,058 $728,709
$3,195,108
$1,295,540 $1,888,152 $2,889,586 $3,953,018 $3,923,817
$841,545
$4,098,791
$23,060
$3,117
$4,966,513
$1,466,587
$4,050,636
$129,912
$4,511
$5,651,646
$615,057
$5,147,669 -
$3,848
$5,766,574
$638,010
$3,868,068 -
$8,463
$4,514,541
$511,949
$6,224,168
$4,24
$183,784
$6,924,141
$142,754
$348,207
$1,280,445
$1,771,406
$3,195,107
$27,568 $379,374 $426,470 $833,412 $4,818,234$16,178 $681,000 $697,178 $5,069,396
$10,800 $45,142 $415,750 $471,692 $4,042,849
$120,697 $18,699 $641,197 $780,593 $6,106,798
$4,966,513 $5,651,646 $5,766,574 $4,514,541 $6,887,391
$1,811,800
$1,795,459
$110,130
$3,717,389
$2,818,654
$2,034,122
$147,831
$5,000,607
$2,896,058
$73,010
$2,969,068
$6,686,457
$7,158,047
$488,868
$662,669 -
$8,309,584
$-1,623,127
$4,818,234
$4,010,438 $37,298
$4,047,736
$9,048,343
$3,275,699
$1,584,191
$101,257
$4,961,147
$2,920,642
$2,935
$2,923,577
$7,884,724
$2,807,194
$960,038
$94,585
$3,861,817
$4,319,342
$3,776
$4,323,118
$8,184,935
$4,450,701
$691,924
$88,957
$5,231,582
$2,143,409
$6,143
$2,149,552
$7,381,134
$8,142,772 $263,685 $893,048$9,299,505 $-251,162
$5,069,396
$6,121,374 $227,668 $509,135$6,858,177 $1,026,547
$4,042,849
$9,812,624
$136,720 $299,540 -
$10,248,88
$-2,063,949
$6,106,798
$4,729,053 $143,564 $215,198$5,087,815 $2,293,319 $3,813,479
$3,195,107 $4,818,234 $5,069,396 $4,042,84 $6,106,798
Our mission is to advocate for policy changes that enhance financial security, economic opportunities, and housing stability for veterans and service members.
The Purpose of the National Education Committee is to assist in empowering and preparing all communities for sustainable home ownership through the advancement of knowledge and financial literacy.
Our mission is to build sustainable VAREP Chapters and Patriot Society Units across the United States and U.S. territories through mentorship, resources, and accountability.
