DONATE TODAY HELP SUPPORT VETCARES
Donate your car, truck, motorcycle, RV, or other recreational vehicle to VETCares by simply scanning the QR code. We will contact you to arrange a vehicle pickup at no cost to you. You may qualify for a tax deduction while supporting a cause near and dear to your heart!
VETCares Inc. is a 501(c)(3) charitable organization. Your generous donation may be eligible for a tax deduction in accordance with applicable law for U.S. residents. Our legal name is VETCares, Inc. Tax ID # 87-1693050
For additional questions: Please email Carla Lemon at clemon@vetcares.org.
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VAREP RISING A NEW ERA OF SERVICE
Built to Serve. Designed to Endure. Inspired by Those Who Served.
For more than a decade, the Veterans Association of Real Estate Professionals (VAREP) has been at the forefront of addressing the housing and financial needs of the military and veteran community. Through advocacy, education, and direct services, VAREP has become the nation’s only HUD-approved housing counseling agency that also operates as a Veteran Service Organization (VSO). Today, we take the next step forward with VAREP Rising.
Evolution & Continuous Improvement
The needs of service members, veterans, and their families are constantly changing. To meet them, VAREP is transforming its membership model to be more consumer-facing, while maintaining strong ties with real estate, lending, and housing professionals.
This dual structure ensures that military families are directly empowered with resources and services, while still being connected to trained, mission-driven experts who know how to navigate VA benefits, housing programs, and unique military life challenges.
Free National Core Membership
Our future is about more than membership—it’s about building a movement. By opening access to every military-connected household while keeping industry partners engaged, we are ensuring no hero family ever walks the path to homeownership alone.
— Son Nguyen, Founder & President, VAREP
At the heart of this transformation is the Free National Core Membership. It provides immediate access to VAREP’s expanding library of education, resources, and programs without barriers to entry. By removing cost, VAREP ensures every military-connected household can benefit from the tools needed to achieve financial stability and sustainable homeownership.
Armed Forces
Servicemembers, Veterans, National Guard & Reserves, Cadets or ROTC students, Surviving Spouses, and immediate family within two degrees of consanguinity (spouses, children, siblings, parents, grandparents).
On-Demand Services
Patriot Society
Extended family (aunts, uncles, cousins, in-laws) and civilian allies and supporters from all walks of life.
VAREP is embracing the on-demand era. Members can access HUD-certified housing and financial counseling, education, and support when and how they need it. Whether it’s VA home loan guidance, foreclosure prevention, credit repair, or rental readiness, VAREP delivers tailored help at the right time.
Notes:
Members only pay for the services they choose, delivered by HUD-Certified Counselors who understand military culture.
Foreclosure prevention and homelessness counseling services are provided free of charge. No client will be turned away or denied services due to inability to pay.
For those seeking a deeper connection, VAREP offers five subscription options that unlock advanced resources, specialized training, and expanded opportunities: Enhanced Subscriptions
Military Community – $29/year ($2.41/month): Tools and resources tailored for servicemembers, veterans, and their families.
Housing Professional – $99/year ($8.25/month): Advanced training and insights for real estate and lending professionals.
VAREP Chapter Affiliation – $19/year ($1.29/month): Stay connected and engaged with local VAREP chapters nationwide.
$9.99/Month
MVP Heroes Housing Network – $99/month: Join a nationwide referral network of vetted professionals serving Military, Veterans, and Community Heroes.
Business Affiliate “Marketplace” – Tiered Pricing: Scaled access for local, regional, and national businesses looking to serve the VAREP community.
Since our inception, the VAREP.org URL was held hostage by a name-hoarding company. For 14 years, we tried unsuccessfully to secure it. Today, as we launch this next chapter, we are proud to finally own what is rightfully ours www.varep.org our true namesake and digital home.
The VAREP Wire Information you Can Use
The VA Loan Crisis: VASP, H.R. 1815, & Veterans Still Need More Help
By: VAREP Editorial Staff
Over the past two years, VA borrowers have experienced a growing homeretention crisis—one that continues today. By mid-2025, nearly 90,000 VA loans were seriously delinquent (90+ days past due), another 70,000 were newly delinquent (30+ days late), and approximately 33,000 were already in foreclosure. The hardship facing military and veteran homeowners has now reached a level exceeding other government-backed mortgage programs.
How We Got Here: The Loss of Key Protections
In 2022, VA ended its temporary partial-claim program, which allowed missed payments to be placed in a nointerest junior lien—helping struggling borrowers stay in their homes.
In May 2024, VA launched the Veterans Affairs Servicing Purchase (VASP) program. This innovative tool allowed VA to purchase delinquent loans directly from servicers and restructure them at affordable terms—often around 2.5% interest. VASP successfully prevented foreclosure for more than 17,000 military and veteran households and assisted more than $5.48 billion in VA loans.
But on May 1, 2025, VA stopped accepting new VASP applications, stating the agency was “not set up to be a mortgage loan restructuring service.”
Ending VASP before a replacement was active created a dangerous gap in foreclosure-prevention options, leaving VA borrowers with fewer tools than FHA, USDA, or GSE borrowers.
H.R. 1815: What’s Fixed—and What’s Not
On July 30, 2025, the VA Home Loan Program Reform Act (H.R. 1815) became law. It restores an essential protection: a new permanent partial-claim option, allowing VA to front missed payments (up to 25% of the unpaid loan balance) and move them to the end of the mortgage term.
This brings VA closer to parity with FHA and GSE servicing standards and gives servicers a clearer path to cure delinquency without forcing immediate unaffordable payment increases.
This is meaningful progress—but implementation remains incomplete, and policy gaps still exist.
Why the Crisis Isn’t Over Yet –Challenges with H.R. 1815
Limited Affordability Relief - The partial claim restores the account but doesn’t necessarily reduce the monthly payment—leaving borrowers with sustained financial hardship vulnerable to redefault.
The hardship facing military and veteran homeowners has now reached a level exceeding other governmentbacked mortgage programs.”
One-Time Use Restriction - Borrowers may experience repeated disruptions— PCS moves, job loss, medical events, or disability transitions. Limiting the tool to one use per loan may leave some without future lifelines.
Delayed Rollout - Full implementation requires rulemaking, IT system updates, servicer guidance, and training. Until then, many delinquent borrowers still cannot access the relief Congress authorized.
Less Flexible Than FHA/GSE Programs - Other mortgage programs can sometimes pair partial claims with modifications or rate adjustments. Under current VA rules, combining these strategies remains limited.
Military Mobility Complications - The requirement that the property must be a primary residence becomes difficult for active-duty families who face relocations and dual-household transitions.
No Funding for Counseling or Outreach - Millions rely on trusted guidance—but the law does not fund HUD-approved counseling, outreach, translation, or military-specific education needed to ensure proper use.
What This Means for You
Veterans & Military Homeowners
If you are falling behind or anticipating difficulty—do not wait. Early action matters.
Contact your servicer and a HUD-approved housing counselor experienced in VA loss mitigation (such as VAREP) to review available options.
Ask your servicer specifically whether the new partial-claim solution under H.R. 1815 will apply once fully implemented and what temporary options exist now.
Contact your elected officials and urge them to support full implementation of H.R. 1815 and a hybrid solution combining the strengths of both the partial claim and the former VASP model.
Remind policymakers that since the VA Home Loan Benefit was created in 1944, it has never been paired with the wraparound financial education and counseling services routinely provided with other core earned benefits such as healthcare, compensation, education, and employment. This gap has persisted for decades—and it is time to fix it.
Housing & Lending Professionals
z Update your loss-mitigation knowledge and workflows.
z VA borrowers need more than standard servicing— they need informed advocacy.
Chapters, Counselors & Community Leaders
z Share this information widely.
z Education, outreach, and early intervention will help prevent avoidable foreclosure displacement.
VAREP Commitment
We will continue advocating for full implementation of H.R. 1815.
We will ensure lenders, servicers, and policymakers understand the urgency facing VA borrowers.
We will continue providing direct housing counseling, credit coaching, VA professional education, and outreach to the communities most at risk.
Because for us, this is not just policy—it’s personal…many at VAREP have walked in your boots.
VAREP’s VA loan default mission: To protect, educate, and empower the military community—before, during, and after financial crisis.
H ON OR IN G
MIL I TA RY FA MIL IE S
T H E H E AR T O F
O U R M I S S IO N
Behind every unifor m is a f a mily who serv e s too.
Military familie s carry t h e w eight of depl o ym e n ts , relocations, and long separa t i o ns, yet they m eet e a ch challenge wi t h str e ngth a nd resilience. At VA R EP, w e believe honoring military f a m ilies is not ju st a b o u t recognizing th e ir sa c rifice—it’s about building p a thw a ys to stability, home o wner s hip, and financial freedo m .
Mi litar y fami lies are the quiet heroes of our nation:
Ne a rly 5.2 million A m e ric a ns are p a rt o f a ctive - d ut y, N a ti o n a l Gu a rd, a nd R es erve f a m ilies .
1. 6 million childr e n grow u p in m ilit a ry ho u sehold s , m o ving s i x t o nin e t i me s be fo r e gradu a ting from high s cho o l. De spi t e t he se disr u p t i o n s , resear c h s h o ws milit a ry childr e n a re o f t e n m ore r es ilien t, adap t able , a nd c ul tu r a lly a w a re th a n t h e ir peers , dev e loping lif e skill s tha t serv e t h e m int o ad u l t hood .
M o re t h a n o ne - third o f mili ta ry children e x peri e n c e a paren t ’s d e ploym e n t, ye t t hey c on t inue t o a c hieve a c a de m i c ally at r at e s e qu a l t o or a b o ve t he n a tional a verag e .
Mili t ary sp ou se s fa ce a n u n em ployment rate o f 2 1%, ne a rly f o u r t i m e s t he na t i o n a l a v e rage , b u t re m ain t h e ba c kb o ne o f s uppor t d u ring e very t ransiti o n .
Military Families Housing & Stability Challenges
The sacrifices of service are often felt most at home:
Military families move every 2–3 years, compared to the U.S. average of every 5–7 years.
Only 15% of eligible servicemembers and veterans use their VA Home Loan benefit, leaving
“When we honor military families, we honor the foundation of our nation’s strength. They serve silently, sacrifice daily, and deserve recognition as much as the servicemember in uniform.”
Son Nguyen , President, USA Homeownership Foundation, Inc. dba VAREP
VAREP HONORS THEM
At VAREP, we know that stable homes create strong families—and strong families create strong communities. Our goal is to close the gap between service and stability by offering housing counseling, financial literacy, VA home loan education, and national advocacy.
Thank you for your interest— and for previewing VAREP Magazine. Unlock the full edition and future releases by joining as a VAREP FREE National Core Member, then add a Military Community or Housing Professional subscription.
