Roger That Newsletter - February 2023

A WORD FROM THE ASSOCIATION DIRECTOR PAGE 9

BIRTH OF THE NAVY PAGE 20

HOUSING COUNSELING CORNER PAGE 14

VAREP FACES IN THE CROWD PAGE 35

JUNE 25 - 27, 2023

GRAND HYATT WASHINGTON WASHINGTON, D.C.

FEB 2023

A Letter From Our President

Dear VAREP Members,

I present you “RT – ROGER THAT – FEB 2023” E-Zine Newsletter. This is the best way for VAREP National to communicate happenings within our organization to our members. VAREP experienced tremendous growth in 2022, and each of you should stand tall and proud, knowing your passion has empowered so many veterans to realize the American dream of homeownership. VAREP has been recognized by key leaders in the real estate, financial, and government sectors, as the voice of, and authority on, veterans’ financial literacy and homeownership.

VAREP ACCOMPLISHMENTS FROM 2014 - 2023

52 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

• 20,000 real estate and lending professionals 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 the VA loan program through the live Veteran Housing Summit events hosted by VAREP local chapters across the country

2,000+ military and veteran families were provided food, utility payments, rent back payment, basic supplies, clothing, and blankets during the holiday season. This was made possible through our VAREPCares program implemented by the VAREP local chapters

$70,000 of housing assistance grants for down-payment, closing costs, and adaptive needs. This was in partnership with the Asian Real Estate Association of America (AREAA)

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 introduce VAREP.

VAREP is a 501.c.3 nonprofit organization that was founded to directly educate the 1.4+ million active military and 22+ million veterans on sustainable homeownership, financial literacy education, VA loan awareness, and economic opportunity.

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 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 the surface of creating awareness and having people rethink how to better serve underserved military and veteran housing needs. To a great 2022...Cheers!

Son Nguyen VAREP Founder and President

EDITORIAL

PUBLISHER

USA Homeownership Foundation, Inc. DBA Veterans Association of Real Estate Professionals

EDITOR

Tracee Wann

CREATIVE

SENIOR DESIGNER

Jesus Lopez

GRAPHIC DESIGNER

Nick Preston

SENIOR WEB DEVELOPER

Francisco Labias

WEB DEVELOPER

David Santana

CONTACT VAREP

HEADQUARTERS

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

www.VAREP.net

ABOUT SON

Son Nguyen is the Founder and President of the Veterans Association of Real Estate Professionals (VAREP). Mr. Nguyen removes barriers to homeownership by creating, implementing, and overseeing the programs within VAREP. Mr. Nguyen works with government agencies and policy makers to reform veteran housing policies.

He is frequently called upon as a subject matter expert 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 estate, public speaking, supplier diversity, curriculum development, and non-profit management. His record demonstrates innovation and leadership at the highest level.

Mr. Nguyen established VAREP as a housing non-profit for vets, by vets, driven by his proactive stance of providing financial literacy education, and homeownership advocacy. His goal is to greatly impact homelessness among the veteran community, by 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 Constellation (CV-64). A proud service-connected 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.

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 members whom we educate to better serve the military housing needs, but ultimately we are all here to serve the military and veteran communities.

SAVETHEDATE!

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. VAREP members have the opportunity to meet with members of Congress to advocate VAREP’s policy positions on issues that affect military and veteran homeownership.

REGISTRATION

COMING SOON

VAREP CURRENTLY HAS 29 CHAPTERS LOCATED IN 16 STATES ACROSS THE UNITED STATES ACTIVE CHAPTERS

Alaska

VAREP South Central Alaska - Founded on June 23, 2020

Arizona

VAREP Phoenix Chapter - Founded on September 3, 2013

VAREP Prescott Chapter - Founded on June 27, 2019

VAREP Tucson Chapter - Founded on January 28, 2015

California

VAREP East Bay Area Chapter - Founded on August 24, 2017

VAREP Fresno Chapter - Founded on January 30, 2019

VAREP Orange County Chapter - Founded on March 11, 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

Florida

VAREP Central Florida Chapter - Founded on April 14, 2015

VAREP Miami Chapter - Founded on July 13, 2015

Georgia

VAREP Atlanta Chapter - Founded on January 22, 2019

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

Kentucky

VAREP Louisville Chapter - Founded on June 14, 2018

VAREP Northern Kentucky Chapter - Founded on June 13, 2022

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 DFW Chapter - Founded on December, 2015

VAREP Houston Chapter - Founded on March 30, 2015

VAREP San Antonio Chapter - Founded on December 10, 2013

Virginia

VAREP Hampton Roads Chapter - Founded on September 5, 2018

VAREP Northern Virginia Chapter - Founded on May 30, 2018

Washington

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

SAVETHEDATE

The VAREP National Convention will educate, develop, and empower current and future leaders within the VAREP organization. VAREP leaders and members will be equipped with the necessary tools to serve the military and veteran housing needs. Attendees will participate in sessions to exchange chapter best practices, and to explore new ones together.

ORLANDO, FLORIDA

REGISTRATION

COMING SOON

A WORD FROM THE ASSOCIATION DIRECTOR

Ernie Gonzales

MOVING FORWARD WITH A PURPOSE

VAREP chapters experienced an epic year in 2022. The chapter efforts impacted military and veteran families receiving assistance through VAREPCares events, monetary hand up, food and clothing, education and financial counseling, housing repairs, and healing through alternative therapies.

This year the VAREP Chapter Directors, sponsors and membership, put COVID in the rear view mirror, working diligently to make up the losses experienced the past few years.

The VAREP Policy Conference in D.C. this year was a huge success. VAREP National Legislative Committee, alongside the Chapter Government Affairs Directors, marched our mission to the doors of the Senate and Congress representatives alike, educating them about VAREP bills needing their support to further assist our Veterans. As a result, we have many new sponsors and co-sponsors to support our focused goals. Thanks to your local outreach we were able to gain more acceptance of our mission and support from local representatives, businesses, and other veteran service organizations. In turn, a 35% membership increase across the board means that we can educate more real estate professionals on how to properly serve our veteran homebuyers.

The National Convention celebrated our members in our 10th year anniversary milestone. The National Education Committee

put together many education opportunities focused on providing valuable information for our members and sponsors. Breakout sessions presented by our sponsors and our guest speakers highlighted topics of leadership and resilience rounding out the convention. Everyone was happy to see so many old friends and meet new friends during our stay in San Antonio. Can’t wait for Orlando!!!

This was also a special year for those that call themselves "VAREPpers", as we celebrated our 10 year anniversary! It is hard to imagine what we have accomplished in the 10 years of providing service, support, education, and advocacy to our veteran communities across the country.

In closing, we have the exclusive privilege of serving the most loyal, committed and deserving group our country has to offer. Our extensive accomplishments across the country could not have been done without you, the selfless service volunteers, our members, the national staff, our sponsors, and of course our leaders of vison and change, Son Nguyen and Dustin Luce. We want to thank you all for an amazing year and an EPIC ten more years of improving the lives of servicemembers and veterans through education, housing, and philanthropy.

All the Best VAREP NATION!!!

Ernie Gonzales, Association Director

SUCCESSFUL LAUNCH 2022 AND MOVING FORWARD IN 2023

2022 was a successfully first year for VETCares, Inc. We set out to launch 4 full grant programs: a thrift store in Las Vegas, construct a healing camp in Montana and launch a vehicle donation program . . . all of which were successfully accomplished thanks to a dedicated team, volunteers, and public donations!

VETCares Home Furnishings & More Thrift Store

When forming VETCares, Inc., and planning for grant program sustainability in the future, VETCares made a decision to launch two new business ventures to walk alongside the public donations. These programs are designed to ensure operational expenses would be covered through employee and volunteer teamwork, and in turn, allowing proceeds and donations to further the number of grants helping more military service members and veterans.

VETCares Home Furnishings & More Thrift Store is one of those business programs that

has launched. The current infrastructure now .in place will enable fundraising efforts through 2023 and beyond. This allows our assistance to reach an increased number of veterans year after year.

The VETCares, Inc. Home Furnishings and More Thrift Store held it’s grand opening in August of 2022. The store's debut was a success, celebrated in part by the Chamber of Commerce, Air Force base recipients, real estate agents, lenders, title reps, the Las Vegas VAREP chapter directors and members, and local community members.

Since the Grand Opening, the Home Furnishings Store has established its local marketing and donation plan within the Las Vegas area and the word is out that this “is not the ‘typical’ thrift store”. Patrons are thrilled about the quality of the store, merchandise and most of all, the affordable pricing. We believe we hit the trifecta in our approach: Offer a nice atmosphere in which to shop with quality lightly used home furnishings; offer an affordable product during tough economic

times to the local community; use proceeds to back grants that support our active military service members & veterans.

Last but not least, we are proud to announce the new store manager of Home Furnishings and More Thrift Store, Mr. Dan Holland! Welcome aboard! A little bit about Dan Holland and what he brings to VETCares:

BIO:

Dan Holland was born in St. Louis and grew up in Southwest Missouri. He developed his core values and strong sense of community from his Grandparents that raised him. Dan attended Southwest Missouri State University while working full time, at what now has become the world’s number one retailer. He was selected and promoted to the

Management Training Program. During the intense training cycle, Dan’s commitment to success was recognized by his leadership team and propelled him into the role of operations manager. Dan continued to embrace innovation and servant leadership, while exhibiting his rigorous commitment to achieve high performing results. Based on his dedication and strong business acumen, he was promoted to General Manager. During his 30 plus years of business success, Dan operated one of the highest volume units, that delivered over $1.4 billion in top line sales and over $100 million in net income. Dan has spent 22 years in Las Vegas with his wife Chunliu and their son Tyler who was born in Vegas. He looks forward to supporting the Las Vegas military & ceteran community and their families.

VETCares Vehicle Donation Program

The second business program we launched in 2022 is the VETCares, Inc. Vehicle Donation Program. This program focuses on transforming donated vehicles from financial institutions, community donations, and various other business partnerships into sales proceeds from the vehicle donations. These donations allow people to support our military service members and Veterans by repurposing vehicles that they no longer have use for and finding purpose in supporting the VETCares grant programs.

VETCares Grant Programs 2022

2022 brought us donations that in turn produced approved grants for several veterans. The approved applicants were assisted with emergency fund grants, housing closing cost grants, alternative healing grants and grants to veterans that attend VETCares Camp Cares healing camp in Montana. Our fundraising campaigns designed for this year are set with a goal to raise enough funds to double or triple the number of veterans we assisted in 2022.

With your help we will be able to reach our goals. We are calling on you to help us in 2 ways:

1. Donate to VETCares, Inc. in any of the following ways listed below.

2. Share all the information re: VETCares, our Programs and Vehicle Donation Program.

If you live in the Las Vegas area, please share the below information re: the VETCares Home Furnishings Thrift Store & more Donation process, shopping information and stop by to say hello and shop!

Please see QR Code below, make a donation to our Grant programs and learn about each Grant:

Please scan the QR code below for making donations to the Las Vegas Home Furnishings and More Thrift Store. Click the link below to learn more about the store. Remember to check in regularly to view our everchanging inventory list!

https://vetcareshomefurnishings.org/

Please see QR Code below and learn how to Donate a Vehicle, its as easy as 1. 2. 3.!

In Summary

It takes a village to successfully give back and support our military and veteran communities, All hands must be on deck to facilitate the services we provide, and to extend our help to those who may feel they have been forgotten.

We need your help, your donations, your voice to spread the word, your time and engergy to spread the flyers, QR codes, the website & social media info. Help us reach our goal to create a massive awareness, within our own organization and with everyone you know, about the VETCares Mission and how they can support our military and veteran communities . . . one donation at a time.

Thank you . . . each and every volunteer . . . you make the difference for our service members and veterans!

"SHARE 15-30 SECOND CLIPS AS SEPARATE POSTS"

Social media has become an essential tool for real estate professionals. Not only does it allow you to connect with potential clients, but it also allows you to showcase your listings and expertise in a way that is easily accessible to a wide audience. In this article, we will be discussing six effective real estate social media tips to help you market your listings, connect with potential buyers and sellers, and build your brand.

1.) NEW LISTINGS:

Post your new listings on your social media accounts multiple times. This is a simple but crucial step, as not everyone will see it the first time. Reposting and reminding your followers of the new listings will help ensure the greatest reach.

2.) VIDEO WALKTHROUGHS:

Whenever and wherever possible, be sure to include video in your listing posts. Additionally, share 15-30 second clips as separate posts on Instagram Reels and TikTok. It is important to note that 73% of your potential customers are more likely to list with an agent who makes use of video, and 37% of realtors believe drone video footage is one of the most important emerging marketing trends.

3.) SHOWCASE TIPS FOR BUYERS:

Put together a comprehensive list of tips for home buyers and investors, ranging from firsttime buyers to experienced investors. Leverage a variety of social media content, including videos, to ensure that people have the information they need to make an informed decision about the biggest purchase of their lives.

4.) SHOWCASE MISTAKES TO AVOID:

Share your experiences and knowledge gathered from working with your clients, or the most common errors people make. Even better, be open and honest about any mistakes you yourself have made in the past when it comes to investments or purchases.

5.) SHOWCASE NEIGHBORHOOD HISTORY:

Exploring local history can be a great way to gain a better understanding of your connection to the place you live and work. Sharing interesting facts about local historical events or anniversaries, or participating in #ThrowbackThursday posts, can be fun, engaging, and doesn't have to be overly promotional.

6.) SHARE HOME MAINTENANCE TIPS:

Provide first-time buyers with insight on essential home maintenance activities and give sellers tips on how to prepare their home for sale. This could range from when to switch out the roof to smaller details, such as how to deep clean an oven.

In this article, we have discussed six effective real estate social media tips that can help you market your listings, connect with potential buyers and sellers, and build your brand. These tips include reposting new listings multiple times, using video walkthroughs, showcasing tips for buyers and mistakes to avoid, exploring the neighborhood history, and sharing home maintenance tips. By following these tips, you will be able to create a strong online presence and stand out in a crowded market.

HOUSING COUNSELING CORNER

HOW HUD HOUSING COUNSELORS CAN HELP YOU WITH YOUR HOUSING NEEDS

What is a HUD-approved housing counselor, and how can they help me?

A HUD-approved housing counselor is specially trained and certified by the government to help you assess your financial situation, evaluate options if you are having trouble paying your mortgage loan, and make a plan to get you help with your mortgage.

HUD stands for the Department of Housing and Urban Development. It’s a government agency that helps people get and maintain, quality affordable housing. They train and sponsor housing counselors all over the country. Because of this, you can have confidence that a HUD-approved housing counselor is well equipped to help you understand and evaluate your options.

HUD-approved housing counselors provide foreclosure prevention counseling free of charge. They can also help you talk to your mortgage servicer and understand any options your servicer has offered. A HUD-approved housing counselor can also help you learn about the homebuying process.

What happens when you call a housing counselor?

If you’re calling because you’re having trouble paying your mortgage, a Housing Counselor like the ones at USA Homeownership Foundation, will ask you for information about your mortgage loan, such as the amount you owe and the date of your last payment. This information is generally on your last mortgage loan statement. The housing counselor may also ask for information about your pay stubs, tax returns, recent bank statements, and other bills you pay each month, such as car loans and credit cards.

The counselor is asking for this information to understand your financial situation and how much you can afford for a monthly mortgage payment.

If you’re having trouble paying your mortgage?

A HUD-approved housing counselor cannot promise that you will get to keep your home. They will help you look at your options make a decision that’s right for you. If you are facing imminent foreclosure or have been served with legal papers, you need to speak to a HUD counselors ASAP, and possibly an attorney as well.

3 reasons why you should seek guidance from HUD Certified housing counselors

Working with a HUD-approved housing counselor, like the ones at USA Homeownership Foundation, lets you work with an experienced, trained professional who can advise you on the latest programs to prevent foreclosure, buy a home, protect your credit, and other issues which may be associated with housing. HUD-certified housing counselors go through rigorous training and stay current with the latest programs available to help homeowners avoid foreclosure. Certified counselors are also trained to help facilitate effective communication with your current loan servicer to explore loan modification options.

As an example, CARES Act mortgage forbearance and other relief options are hitting major timing milestones. Our HUD-certified housing counselors are up to speed on the latest information related to these relief options, and can help you understand

your current forbearance plans, which could turn into foreclosure if a borrower cannot resume payment when the forbearance ends.

During the ongoing pandemic, there has been an increase of calls we receive. People not only dealing with the stress of possible foreclosure, but some have been victimized by fraudulent activity. Many callers have been led astray by foreclosure rescue or loan modification scams. When you work with a HUD-Certified housing counselor, ou can be confident knowing the goal is to keep you in your home, while guiding you to make informed financial decisions that withstand financial challenges.

100 percent of our housing counselors have successfully completed the rigorous training program established by HUD, successfully passed the exam, and received full certification. Achieving full compliance before HUD’s original August 2020 certification deadline is a distinction that sets our team apart, and signals to callers that they are dealing with a trusted resource.

Our HUD-approved housing counselors are specially trained to provide renters and homeowners with a total view of your financial picture. We work to understand your specific situation, including foreclosure prevention and support, home buying counseling, and renter resources. In one-on-one counseling sessions, you will understand all your options so you can feel assured of your informed decisions.

View Tasha's Success Story

What other financial stress is your household facing? Housing counselors will assess an individual’s complete financial situation, help you evaluate the options that pertain to you, make informed housing choices, and develop a customized plan to stay in your home.

Clients should know that they are not alone, and that trusted housing experts are only a phone call away. USA Homeownership Foundation’s HUD-certified counselors are Veterans and Marines that speak vet to vet and as well as help patriots with their housing needs. We can help you begin a conversation about where you are today, and what you need to accomplish your goals.

If you have clients, friends or family who need no cost help with credit, rental, home buying, VA Loan, or foreclosure prevention, please contact USA Homeownership Foundation’s Housing Counseling department via the following methods:

7,891 LMI HOUSING INQUIRIES

INTERNET, TELEPHONE, & COMMUNITY EVENTS

3,041 LMI FAMILIES

RECEIVED PRE-PURCHASE, CREDIT, & HOUSING COUNSELING

971 VETERAN FAMILIES

SUCCESSFULLY PLACED IN HOMES THROUGH OUR PROGRAMS

501 VETERANS

WERE REFERRED TO HUD VASH PROGRAM

1,121 VETERANS

ENGAGED IN CREDIT COUNSELING TO IMPROVE FINANCIAL READINESS

5,710 VETERANS & SERVICEMEMBERS

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

Design

Corner

Marketing in the real estate industry can be challenging, with many agents feeling like they are constantly running around, trying to get their materials together and out the door. The key to successful marketing, is to plan ahead and create a marketing machine that runs smoothly and effortlessly all year long. By creating a consistent and cohesive year-round plan, you can improve your sales and keep a steady stream of clients - and income.

When creating your marketing machine, it's important to focus on consistency and repetition. Real estate experts suggest that it takes 6 to 12 "first impressions" for a potential client to remember you. So, make sure to include a variety of marketing materials throughout the year, distributed evenly and presented in different formats. This will help increase your memorability and make your materials look more professional.

When it comes to format, there are many options to choose From. The most common are printed material, such as brochures and postcards; online material, namely your website; digital material, displayed as e-mail signatures; and written material, being articles and press releases. Additionally, consider follow-up materials like newsletters and thank-you cards. It's important to match the format of your marketing materials to your target audience to ensure the best results.

Timing is also crucial, and it's essential to market consistently throughout the year. But, it's also important to give yourself enough time to create materials and promotions. Consider working on materials during "off times" for your business, such as holidays or weekends, to ensure you have enough time to execute your marketing plan successfully.

In summary, creating a cohesive, consistent, and well-planned marketing machine can help you increase your sales, streamline your marketing efforts, and keep your clients and income coming in. By focusing on consistency, repetition, format, and timing, you can create an effective marketing plan for your real estate business.

"It's important to match the format of your marketing materials to your target audience to ensure the best results."

The United States Navy has a rich history, originating in the late 18th century. The birth of the Navy can be traced back to the American Revolution, when the Continental Congress authorized the construction of the first naval vessels.

In 1775, the Continental Congress authorized the construction of thirteen frigates to be used for the defense of the colonies. These ships were designed to be fast and maneuverable, with the ability to outrun larger British ships. The construction of these ships was an important step in the formation of the United States Navy.

The first naval battle of the Revolutionary War took place in 1775, when the USS Lexington, a ship built for the Continental Navy, engaged and captured a British transport ship. This was the first American victory at sea and marked the beginning of the United States Navy's role in defending the nation.

Throughout the Revolutionary War, the Continental Navy played a vital role in the war effort, disrupting British supply lines and capturing valuable

cargo ships. The Navy also played a crucial part in the decisive Battle of Yorktown, where naval support allowed American and French troops to defeat the British and secure independence for the colonies.

After the Revolutionary War, the Continental Navy was dissolved and the ships were sold. However, the need for a navy became clear during the Quasi-War with France in the late 1700s, when American merchant ships were being attacked by French privateers. In 1794, Congress authorized the construction of six frigates, marking the official birth of the United States Navy.

One of these ships, the USS Constitution, is still in commission and is proudly the oldest commissioned warship afloat in the world.

Throughout the 19th century, the United States Navy provided a fundamental force in the country's expansion and development. The Navy held extensive bearing in the War of 1812, where American naval victories at sea helped secure a stalemate in the conflict. The Navy had considerable impact in the MexicanAmerican War, where naval

support helped secure American victories on land.

In the 20th century, the United States Navy played a major role in both World War I and World War II. The Navy's victory at the Battle of Midway in 1942 is considered a turning point in the Pacific Theater of World War II, and the Navy played aided in the defeat of Japan.

Today, the United States Navy is one of the largest and most powerful navies in the world. It is a dominating extension in the defense of the United States and our allies. The Navy is involved in a broad range of operations around the globe, including counterterrorism, humanitarian assistance, and disaster relief.

In conclusion, the birth of the United States Navy can be traced back to the American Revolution, when the Continental Congress authorized the construction of the first naval vessels. Throughout its history, the Navy has played a vital role in the defense and expansion of the United States, and continues to be a major force in the world today.

Wells Fargo and Enterprise Launch New $20 Million Innovation Competition

The Wells Fargo Foundation has expanded its commitment to housing affordability, joining Enterprise Community Partners to launch a second Housing Affordability Breakthrough Challenge.

The competition will offer innovators grants up to $3 million to execute and scale solutions across three focus areas: Construction, Financing, and Access and Resident Support.

The challenge is open to a range of nonprofit and for-profit entities in 38 markets. The application period opens Jan. 31, 2023, and proposals will be accepted until March 3, 2023.

We are thrilled to embark on this second cycle of the Housing Affordability Breakthrough Challenge. Please share this opportunity with your networks and across your social channels.

• More information is available at: www.enterprisecommunity.org/breakthrough

• Our webinar on Feb. 2, 2023, will offer an overview of the challenge and application process: bit.ly/3IK2T5d

• Questions? Contact us at: housingbreakthrough@enterprisecommunity.org

Housing Affordability Breakthrough Challenge

Construction

Financing

Our Housing Counseling Department is Here to Help You and Your Clients!

USA Homeownership Foundation’s Housing Counseling Program is a no cost service open to Service Members and Veterans throughout the United States. Our Housing Counseling Department is based out of VAREP’s National headquarters in Corona, but open to any Veteran, Service Member or Patriot living in the United States. Our Housing Counseling Program currently offers pre-purchase, home buyer counseling, financial capability, credit and budget counseling, foreclosure prevention and post purchase counseling.

If Veterans or Service Members need help accessing their VA Loan Benefits or Certificate of Eligibility, Thomas Griffin, our HUD certified Housing Counselor and U.S. Marine Veteran can assist them. We’ve successfully assisted over 500 clients this year alone with credit improvement, budgeting, homeownership and foreclosure prevention. Have a client whose credit needs work before buying a home? Send them over to our Housing Counseling Department.

“To maintain the momentum from the Policy Conference, I have appointed G-II Varrato, Lynn Jabs, Mary Corcoran, Christin Griffin, Michael Hamilton, Julio Velezon and Bob Voss to form VAREP’s National Legislative Committee (NLC). The NLC’s task is to do the background and heavy-lifting work necessary to move our mission and the bill forward.”

- Son Nguyen, VAREP Founder & President

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

MICHAEL HAMILTON NLC Member Patriot

CHRISTIN GRIFFIN NLC Member Patriot

MARY CORCORAN NLC Member Patriot

JULIO VELEZON NLC Member U.S. Army

LYNN JABS NLC Member Patriot

BOB VOSS NLC Member Veteran

WHERE WE LANDED FOR 2022 AND THE 117TH CONGRESS BECOMING A CONGRESSIONALLY CHARTERED VSO INFORMED CONSUMER CONSENT DISCLOSURE

INFORMED CONSUMER CONSENT DISCLOSURE

The NLC had success in getting our Informed Consumer Consent Disclosure legislation introduced in the House. The bill number was H.R. 8616 the VA Loan Informed Disclosure act of 2022 also referred to as the VALID Act of 2022, also.

The senate was poised to introduce a companion bill once we had H.R. 8616 passed in the house. The VAREP GAD team was deeply immersed in the process of gathering cosponsors from the 435 members of the House of Representatives. As of the 16th of December 2022, we counted an impressive 100 cosponsors.

While the efforts were ongoing to gather cosponsors, we were also continually diffusing misinformation

about the impact of the intent of the bill to improve the transparency of the VA home loan for our veteran mortgage loan applicants. There were a number of major lenders who continued to insist that the Informed Consumer Consent Disclosure enhancements proposed in the legislation would prove problematic for the lending community. We successfully fought off those detractors and even won over a few of them.

The bill was poised to be marked up in the house Financial Services Committee in mid-December, however, after the November midterm elections the complexion of cooperation changed dramatically in the committee, and we were denied a hearing on our bill.

Therefore, we did not get the bill voted on in the house and the bill stalled. We are

prepared to introduce the bill again in the 118th Congress in 2023. We have every confidence that the bill will pass this time and we expect that our 100 cosponsors will morph into something closer to 350 to 400.

VAREP AS A CONGRESSIONALLY CHARTERED VSO

In the 117th Congress our goal was to have the VSO bill introduced in the House of Representatives before the end of the 117th Congress. However, the closing 12 months of 2022 was obviously an election period. That reality added additional burden to garnering bipartisan representation for our efforts.

The successes of course, centered around a fullthroated commitment from representative Susie Lee in Nevada. Her staff worked

with us closely and nearly completed putting the final touches on the legislation. Regrettably, Susie Lee was in a serious fight for her congressional seat and that reality most likely absorbed energy needed to complete our legislative mission.

We have a high degree of certainty that we do have bipartisan support as we go into the new congressional session of the 118th Congress in 2023. Congresswoman Nancy Mace and her staff have given us positive signs that they will be on board as a Co introducing cosponsor when we mobilize the bill ready to be presented on the floor of the house in 2023.

GETTING LEGISLATION PASSED IS A BIT LIKE SAUSAGE MAKING

The VAREP NLC GAD team has acquired new knowledge while they worked through the process of gaining bipartisan cooperation for HR 8616. If you have ever watched a butcher make sausage you know that the process is

messy and requires blending ingredients of some highly suspicious components. The same can be said about getting legislation passed in the United States Congress. And while the VAREP mission is focused solely on improving the benefits and resources of our veteran family, it is not always easy to gather bipartisan support for those efforts.

LEGISLATIVE INTERESTS IN THE 118TH CONGRESS

H. R. 5776 Serving Our LGBTQ Veterans Act

Republican – Representative Nancy Mace

H.R.7299 - Strengthening VA Cybersecurity Act of 2022 or the SVAC Act of 2022

Democrat Susie Lee and Republican Nancy Mace

– PASSED in the House

Stalled in the Senate

…which is a spinoff of S.3600

Strengthening American Cybersecurity Act of 2022

Democrat Susie Lee and Republican Nancy Mace

H.R.8260 - Faster

Payments to Veterans’ Survivors Act of 2022

Republican Representative Nancy Mace – PASSED in the House in the 117th Congress

S.4646 - Faster

Payments to Veterans’ Survivors Act of 2022

Democrat Senator Sharrod Brown – STALLED in the Senate both bills are STALLED in reconciliation

Watch for the next issue of RT for an exciting report on our further progress.

STAY TUNED AND WE’LL BE BACK WITH MORE THE NEXT TIME

Stay Safe! Stay Healthy! And… #IAmVAREP

G-II Varrato II

VAREP National Legislative Committee Chair

HOW TO TALK TO KIDS ABOUT SOCIAL MEDIA

Some of us remember the days without cellphones, email, social media, streaming TV shows and quick access to the web (hello, that AOL dial-up ringtone!). So often, we feel unsure about how to set up our kids for success with their own technology use – something our parents never had to figure out.

Social media in particular can be scary to think about when it comes kids, but it can be great too. There is also a toll social media takes: making unhealthy comparisons, doomscrolling and being unable to focus on one thing at a time. Do you often find yourself watching TV while also scrolling through Instagram on your phone?

A lot of people do this.

So how do we talk to our kids about social media?

First, consider your own habits

Every family is different and should handle the topic in a way that works for them. Just like rules for treats, chores, bedtime and allowance, social media is just another part of parenting that involves making the best choices for their family. We should model the behavior we want our kids to have. Here are some things we should be doing and asking ourselves:

1. How much am I on social media? And what am I doing while there?

How much of that time is productive (creating community, catching up with friends, learning something) vs. how much of it feels like you're on social media just to pass time?

Looking at our own habits first can advise us on how to be better role models for our kids. If you feel that you’re on your device more than you should be, this is a great time to modify that before establishing what to expect of your kids.

2. How much privacy do I want?

There are some families who don’t post any photos of their kids online. And then some families share what feels like every moment of every day in their kids’ lives on a public social media account. Some people post photos but cover their kids’ faces or only show their kids from the back.

You have to make the decision about what feels right for you and your family. Whatever you’re doing, make sure it’s intentional and feels right for you.

3. How can I use social media for good?

While social media often gets a bad rep, it also gives us incredible ways to connect with people, offer inspiration, and keep us in tune with what’s going on in the world. Think about how you can too, contribute to that positivity based on what you share and how you share it.

If there are accounts or people that bring upon feelings of comparison, anger or negativity in your daily scroll, consider muting those accounts or unfollowing. Don’t let anyone online steal your peace.

Reflect as a family

Once you’ve reflected and maybe changed a few of your own online habits, here are some questions to ask yourself about your kids’ tech use:

1. What devices and apps feel right for my kids at their current ages?

What am I okay with having my kids seeing or using based on their ages? And how will it change as they get older? At what age can they have their own tablet or their own phone?

2. What kind of limits make sense for social media or device time?

Most kids (and some adults) are unable to self-limit their time on a device, so it may be beneficial to set limits for

children. You can choose to change those limits based on their ages, behavior or as a special reward. Whether that’s three hours per day or one hour per week, decide what you think is appropriate, but make sure to have the conversation with them about it, too.

3. Consider parental controls.

You can use family settings to limit time on devices and on specific apps. Some kids need their computer for homework, but you can define what they’ll be able to access and for how long, which helps set boundaries and stay on task for homework. Most streaming services also offer pre-set controls for kids as well. Weigh the benefits of these built-in safeguards based on your family’s needs.

4. How does using social media affect my kids?

Studies released on this topic paint a bleak picture. A report by Dove brand found that idealized beauty advice on social media can cause low self-esteem in 50% of girls. Whether or not your child is already on social media, or is about to begin, it is a good idea to ask them a few questions. Does your child find themselves cranky, sad, depressed, jealous, confused, or angry while on their device? Find the cause, and ask yourself how you can prevent that from happening. This is also an ideal time to discuss screen time, and having kids ask themselves

how much screen time is too much. Some children have major mood shifts when they get a lot of screen time, and you can help them recognize that feeling, which will aid their ability to regulate themselves.

5. How can my kids use the internet for good?

Can they play educational games or watch educational shows? Can they play games with their friends that allow them to socialize or learn how to work on a team? Can they watch craft videos and learn how to make something for the very first time? Direct them towards beneficial and informative sites and apps.

Keep safety and privacy in mind

One thing to remember: Whatever you (or your kids) post on social media stays there forever.

While images, videos, tweets, and messages can be deleted from your own device, someone else can save it to re-post later. There are countless examples of past postings reappearing down the road, with intent to hurt someone's repuation, standing, or career. Be certain to continue this conversation as they grow older.

Asking yourself these questions can help prepare you for having the “social media talk” with your kids. You can always change it up and evolve your family’s take on it. Just as we need to modify things in other aspects of parenting, how our families handle the internet can evolve as technology changes, and as our kids, hopefully, grow up to be the most joyful versions of themselves.

https://blog.mozilla.org/en/internetculture/how-to-talk-to-kids-about-socialmedia/

5 TIPS FOR ELEVATING YOUR VIDEO PRODUCTION

Creating a professionallooking video doesn't have to be complicated. With a few simple tricks, you can elevate your production value and make your footage stand out from the crowd. From camera angles to sound effects, there are many ways to add a cinematic touch to your video. Here are five tips that will help you take your video production to the next level.

1. Camera Angles

Avoid filming at eye level. Because this is the most common angle people use, your video will stand out and be much more dynamic if you mix up the angles. Try lowering your camera closer to the ground. This will instantly be more interesting. Other overlooked angles are top-down and bottom-up.

2. Camera Movement

Moving your camera will give your video a more professional look. However, keep your movement meaningful and consistent,

while remaining smooth and steady. While doing this, keep your movement meaningful and consistent. For example, pushing your camera forward to bring your viewer into a scene, lifting your camera up to reveal a location, or pulling your camera away to end a scene. Doing this will give your video a more experienced perception.

3. Accessories

Accessories can help if you struggle to keep your camera steady handheld. A gimbal has features that are hard to do hand held. They give a more cinematic look by replicating crane and drone shots which raise the production value.

However, if you are looking for a more handheld look, a cage is a good option. This lets you shoot while not actually holding your camera and lets you add more accessories like a microphone or light.

Lenses and filters are useful in minimizing reflections and glares, as well as color enhancement, but are not absolutely necessary. It is possible to create great content with nothing but

your cell phone camera, the accessories mentioned here are just the the cherry on a sundae.

4. Slow Motion

This is one of the easiest tricks to smooth out your footage. Slow motion allows your audience to absorb more information. By filming at 60 frames per second, you can slow down your shot by 50%, providing a clear view of that moment and improving the drama in your cinematography.

5. Music and Sound Effects

If you captured great footage, but bad audio, you can simply add music and sound effects. This will completely change the feel and mood. There are plenty of websites available that offer free or discounted music that will keep you in compliance with federal laws.

The Purpose of the National Education Committee (NEC) is to assist with empowering and preparing all communities for sustainable homeownership through the advancement of knowledge and financial literacy.

JAIMIE GARRETT NEC Chair Patriot

MICHELLE CRUMLEY NEC Member Patriot

DIANA MOLENAAR NEC Member Patriot

STEPHEN DEMUTH NEC Member Patriot

JOHN MILLER NEC Member U.S. Air Force

JEFF WILSON NEC Member U.S. Army

SEAN SELTERS NEC Member U.S. Army

NEC UPDATE

The 2022 National Conference in San Antonio was a hit. Thank you to all the volunteers and instructors that assisted with the MVHC, PCS know your orders, becoming the teacher, and breakout sessions. The team did an outstanding job with all educational events in making it a tremendous success. For chapter directors that took the MVHC and becoming the teacher, please follow through with the NEC to finalize becoming an instructor. The MVHC has proven to be successful in our educational outreach, but we have a long way to go and now is an opportune time if you are wanting to teach. Together we will help one veteran at a time through our education. The NEC has great news. We have been working on adding educational topics for lunch and learns and are excited to have three roll out in your local area. Please be sure to look for these new classes: Hot Topics: VA Amendatory Clause,

and Assumptions, How to Talk with Military, All About Acronyms, and Joint Loans. Feel free to reach out to the NEC if you have any questions, we are here to help you. On behalf of the entire National Education Committee, we would like to thank Kim Larkin-Ritter and Eddie de Leon for their time, hearts, and knowledge. They have been invaluable in helping move the mission of the National Education Committee forward. I personally want to thank both Kim and Eddie for the time we have shared and invested together. Their friendships and talents will be missed within the NEC, but I know will further the mission of VAREP moving forward. Keep up the amazing work of hosting lunch and learns, and teaching the MVHC class to educate your local communities. It is wonderful to see our numbers grow.

Jaimie Garrett, National Education Committee, Chair

PROMOTING VETERAN STABILITY TO PREVENT VETERAN SUICIDE

WHO WE ARE

The Stop, Drop and Push Campaign (SDPC) is part of the Veterans Association of Real Estate Professionals’ (VAREP) philanthropic platform of giving back (VAREP is a 501c.3 non-profit focused on housing for veterans). Although our focus may be on veteran housing, we cannot stand idle while our brothers and sisters are part of the 22 veteran suicide statistic.

HISTORY OF THE NUMBER 22

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

STOP, DROP & PUSH MISSION

To lower the 22 veteran lives lost each day due to suicide by educating the public about veteran reintegration issues; connecting alternative veteran therapy providers to those who need treatment; and provide the necessary funding to ensure treatment is possible so our heroes will rediscover purpose and lead productive lives.

ALTERNATIVE THERAPY

Research has determined in addition to medication and traditional therapy, a holistic approach including alternative therapies such as existential/transpersonal, animal-assisted psychotherapy and play therapy, (examples include martial arts, fly fishing, mountain climbing and rafting) are important as part of the road to recovery for many veterans.

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!

#IAMVAREP

Why do you give your money, time, & energy to VAREP and its mission?

I’m a servant and believe in VAREP. As a founding member, I bleed VAREP, and had hoped to one day work for VAREP fulltime to make a difference. But even with that said I have given my all to help make us a true non profit agency for veterans I truly love.

What is unique about VAREP?

WHY I’m VAREP

Their dedication in assisting veterans through homeownership, advocacy on veterans behalf in Washington, and VAREP’s commitment on educating realtors & veterans! VAREP is the voice for the veteran!

WHY I’m VAREP

What would go undone if VAREP closed tomorrow?

Real estate professionals wouldn’t be as informed about VA loans as they could be.

#IAMVAREP

What would go undone if VAREP closed tomorrow?

Our Veterans need us as their voice to be a protected class and to help our colleagues within the industry to better understand how to work with, and assist our Veterans obtain affordable housing utilizing the benefits our serviceman have earned.

What is unique about VAREP?

Why do you give your money, time, & energy to VAREP and its mission?

I’m VAREP

As a Member, I've seen firsthand how some realtors and loan officers treat veterans. And, as a vet myself, I've been on the receiving end of lessthan-great loan offers. But here's the thing, the more you hang out with other veterans and get involved, the more fired up you get to fight for better rights for us all.

WHY I’m VAREP

We are the only organization dedicated to increasing sustainable homeownership, providing financial literacy, education, and creating economic opportunity for active duty military and the veteran community.

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

- George Washington