VAREP KNOWLEDGE CENTER
Got Questions? We Have Answers.
Whether you’re a servicemember, veteran, military family, housing professional, business, or community partner, the VAREP Knowledge Center provides the answers, resources, and guidance you need.
About VAREP
The Veterans Association of Real Estate Professionals (VAREP) is a national Veteran Service Organization (VSO), HUD-approved housing counseling agency, professional membership organization, and education provider dedicated to advancing financial readiness, housing stability, sustainable homeownership, economic opportunity, and the VA Home Loan benefit for the military-connected community.
Why It Matters
Military service creates unique financial and housing opportunities—and unique challenges. VAREP brings together trusted services, experienced professionals, education, advocacy, and community support to help military-connected individuals and families succeed before, during, and long after military service.
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About VAREP | Membership Overview | Direct Services | Advocacy | VAREP Training Institute
Military service creates unique financial and housing opportunities—and unique challenges. VAREP brings together trusted services, experienced professionals, education, advocacy, and community support to help military-connected individuals and families succeed before, during, and long after military service.
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About VAREP | Membership Overview | Direct Services | Advocacy | VAREP Training Institute
To Assist Veterans, Servicemembers, and Surviving Spouses with financial stability, housing security, sustainable homeownership, economic opportunity, and VA loan access.
Our Mission in Action
Everything VAREP does is designed to help military-connected individuals and families build stronger financial futures, achieve housing stability, and create lasting economic opportunity.
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Mission & Vision | Direct Services | Advocacy
VAREP uniquely combines the mission of a Veteran Service Organization (VSO), the expertise of a HUD-approved housing counseling agency, the strength of a national membership organization, and the education and credentialing of the VAREP Training Institute—all working together to serve the military-connected community.
The VAREP Difference
Most organizations focus on one area of service. VAREP brings together advocacy, counseling, education, professional development, and community engagement to support both military-connected individuals and the professionals who serve them.
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The VAREP Ecosystem | Membership | VAREP Training Institute
The VAREP Ecosystem is a connected network of affiliated organizations, programs, services, education, advocacy, and community initiatives working together to improve financial readiness, housing stability, sustainable homeownership, and economic opportunity.
Why It Matters
Financial readiness, housing stability, and homeownership are interconnected. By bringing these services together, VAREP provides members with a more complete and coordinated support system.
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Membership | Direct Services | Professional Development | Advocacy
The Continuum of Service reflects VAREP's commitment to supporting military-connected individuals and families throughout every stage of their financial and housing journey.
From Service to Stability
Whether transitioning from military service, purchasing a home, overcoming financial challenges, or planning for the future, VAREP provides resources that help members move forward with confidence.
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Financial & Housing Services | BOOTS2™ | VETCares™
Financial readiness is the foundation of housing stability, homeownership, and long-term financial security.
Our Philosophy
Financial readiness is force readiness. When individuals and families understand how to manage money, build credit, reduce debt, and prepare for life's major decisions, they are better positioned to achieve lasting success.
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Financial Counseling | Housing Counseling | BOOTS2™
Housing stability means having safe, affordable, and sustainable housing that supports long-term well-being.
Why It Matters
Stable housing strengthens families, supports employment, improves health, and creates stronger communities. VAREP helps individuals and families remain securely housed through education, counseling, and supportive services.
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Housing Counseling | Foreclosure Prevention | Homelessness Prevention
Sustainable homeownership means preparing people before they buy, supporting them after they purchase, and helping them remain successful homeowners. If necessary, help them through loss mitigation options, default, and preparing for future homeownership opportunities.
Why It Matters
Buying a home is just the beginning. Long-term success comes from informed financial decisions, responsible borrowing, and continued access to trusted guidance.
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Homebuyer Education | Financial Counseling | VA Home Loan Services
The VA Home Loan is one of America's greatest earned benefits, helping eligible servicemembers, veterans, and surviving spouses achieve homeownership and been underutilized by eligible veteran borrowers.
Why It Matters
The benefit has helped millions of military families build financial security through homeownership. Increasing awareness and responsible use helps preserve its value for future generations.
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VA Home Loan Services | Advocacy | Housing Counseling
The Department of Veterans Affairs administers the VA Home Loan benefit, but successful outcomes depend on informed borrowers, knowledgeable professionals, quality education, and strong advocacy. VAREP was created to help strengthen that support system.
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VA Home Loan Services | VHFA Powered by VAREP | Advocacy
As a Veteran Service Organization, VAREP advocates for policies and programs that strengthen financial readiness, housing stability, and the VA Home Loan benefit.
Why It Matters
Working with Congress, federal agencies, and industry leaders, VAREP helps ensure the needs of servicemembers, veterans, military families, and surviving spouses remain a national priority.
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VHFA Powered by VAREP | Advocacy
HUD approval recognizes VAREP's ability to provide financial and housing counseling that meets nationally established standards for quality, accountability, and consumer protection.
How VAREP Helps
HUD-certified counselors provide personalized guidance, education, and action plans that help individuals and families make informed financial and housing decisions.
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Financial & Housing Counseling | Direct Services
No single organization can meet every need of the military-connected community. Lasting solutions require collaboration.
Why It Matters
VAREP works with Veteran Service Organizations, nonprofit organizations, government agencies, Congress, educational institutions, housing professionals, businesses, and community partners to expand resources, strengthen advocacy, and improve outcomes.
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Partnerships | VHFA Powered by VAREP
No. VAREP complements the important work of other organizations by focusing on financial readiness, housing stability, sustainable homeownership, and the VA Home Loan benefit.
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Partnerships | Advocacy
VAREP brings together advocacy, direct services, education, professional development, membership, and strategic partnerships into one connected ecosystem focused on improving financial readiness, housing stability, and economic opportunity for the military-connected community.
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Membership | Direct Services | VAREP Training Institute | VHFA Powered by VAREP | National Programs
MEMBERSHIP & SUBSCRIPTIONS
Anyone who supports VAREP's mission is welcome to join. Membership is open to military-connected individuals, housing professionals, businesses, nonprofit organizations, and community supporters.
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National Core Membership | Armed Forces Society™ | Patriot Society™
Your National Core Membership provides access to VAREP's essential benefits, resources, member communications, advocacy updates, and direct services.
Members also gain access to:
- HUD-approved Financial & Housing Counseling (fees may apply)
- VA Home Loan Case Management
- Foreclosure Prevention Counseling
- Homelessness Prevention Information & Referrals
- Member discounts
- Local Chapters
- Professional development opportunities
- Optional subscriptions
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Membership Benefits | Direct Services
These are VAREP's two Member Communities within the FREE National Core Membership.
The Armed Forces Society™ is for servicemembers, veterans, military spouses, surviving spouses, National Guard, Reserve, ROTC, military academy cadets, and other military-connected individuals.
The Patriot Society™ is for civilians, families, housing professionals, businesses, nonprofit organizations, and community supporters who share VAREP's mission.
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Member Communities
Every member has different goals. VAREP's flexible membership model lets you start with a FREE National Core Membership and add only the subscriptions, education, and professional programs that fit your needs.
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Membership Overview | Subscription Options
Membership Subscriptions provide access to enhanced programs, resources, networking, education, certifications, and professional opportunities beyond the National Core Membership. Subscriptions are optional and can be added at any time.
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Military Community Subscription | Housing Professional Subscription
The Military Community Subscription provides expanded programs, resources, and benefits designed to support financial readiness, housing stability, leadership, and long-term success. It is available to all National Core Members.
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Military Community Subscription
The Housing Professional Subscription is designed for real estate agents, mortgage lenders, housing counselors, educators, and other approved housing-related professionals and businesses. It provides access to professional education, networking, certifications, business-development opportunities, and includes all Military Community Subscription benefits.
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Housing Professional Subscription | MVPro™
Yes. Members may add any subscriptions for which they are eligible. Some subscriptions require another subscription as a prerequisite.
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Subscription Requirements
Yes. You may add, remove, or upgrade eligible subscriptions at any time as your interests, career, or professional goals evolve.
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Manage My Membership
No. Chapter participation is optional. Members who wish to network, volunteer, serve their communities, and pursue leadership opportunities may add the Chapter Affiliation Subscription.
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Chapter Affiliation Subscription | Find a Chapter
Start with your goals. Military-connected members often begin with the Military Community Subscription. Housing professionals typically benefit most from the Housing Professional Subscription. Those interested in local leadership can add the Chapter Affiliation Subscription Real estate agents and mortgage lenders participate in the MVP Heroes Housing Network™ to give back through the Real Reward Program.
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Subscription Comparison | Membership Overview
Joining VAREP takes just a few minutes.
Create your FREE National Core Membership, choose your Member Community
Add subscriptions to personalize your experience for personal and professional development programs that fit your goals.
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Join VAREP | Membership Overview | Professional Development
Members remain engaged because VAREP offers more than membership—it provides opportunities to learn, serve, lead, grow professionally, advocate for meaningful change, and become part of a nationwide community committed to strengthening the military-connected community.
FINANCIAL & HOUSING SERVICES
VAREP provides HUD-approved financial and housing counseling, VA Home Loan case management, foreclosure prevention counseling, homelessness prevention referrals, financial education, and other supportive services designed to strengthen financial readiness and housing stability.
Why It Matters
Financial and housing challenges often occur together. VAREP provides trusted guidance to help individuals and families make informed decisions before problems become crises.
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Housing Counseling | Financial Counseling | VA Home Loan Services
HUD-approved counseling provides personalized guidance to help individuals and families make informed financial and housing decisions through education, action planning, and one-on-one support.
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HUD Housing Counseling | Client Services
VA Home Loan Case Management provides personalized guidance for servicemembers, veterans, and eligible surviving spouses navigating the VA Home Loan process or facing housing-related challenges.
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VA Home Loan Services | Housing Counseling
Yes. VAREP provides foreclosure prevention counseling for homeowners experiencing financial hardship or difficulty making mortgage payments.
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Foreclosure Prevention | Housing Counseling
Yes. VAREP helps connect individuals and families experiencing housing instability with community resources, emergency assistance programs, and local service providers.
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Homelessness Prevention | Community Resources
Some services are provided at no cost, while others have program fees based on the type of counseling or service provided.
Foreclosure prevention counseling and homelessness prevention referral services are provided at no cost to eligible clients.
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Counseling Fees | Financial Assistance
Not always. Some services are available regardless of membership, while others require a FREE National Core Membership or participation in a specific VAREP program.
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National Core Membership | Direct Services
Getting started is easy. Contact VAREP through our website or Member Services to schedule an initial consultation. A team member will help determine your needs, explain available services, and guide you through the next steps.
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Request Services | Contact VAREP
VETERAN HOUSING OUTREACH CENTERS (VHOCs)
Veteran Housing Outreach Centers (VHOCs) are VAREP's community-based service centers that connect the military-connected community with financial readiness, housing stability, and supportive services. They provide one trusted place to access education, counseling, case management, and community resources.
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Financial & Housing Services | Request Services | Find a VHOC
Veteran Housing Outreach Centers connect clients with VAREP's complete menu of financial readiness, housing counseling, VA Home Loan services, education, community referrals, and supportive programs. Services vary by location and individual needs.
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Financial & Housing Services | Counseling Programs
VAREP currently operates Veteran Housing Outreach Centers in:
- Corona, California
- Dallas, Texas
Additionally, Virtual VHOCs provide financial and housing counseling services to clients nationwide.
Growing Our Network
VAREP is committed to expanding the Veteran Housing Outreach Center network through partnerships with Veteran Service Organizations, nonprofit organizations, government agencies—including the U.S. Department of Veterans Affairs (VA) and the Department of Defense (DoD)—housing professionals, and community organizations.
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Find a VHOC | Virtual Services
Yes. VAREP welcomes partnerships with Veteran Service Organizations, nonprofit organizations, government agencies, educational institutions, housing professionals, financial institutions, corporations, and community organizations interested in expanding services for the military-connected community.
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Partnership Opportunities | Contact VAREP
HOUSING PROFESSIONALS & PROFESSIONAL DEVELOPMENT
The VAREP Training Institute (VTI) is VAREP's official education and credentialing division. It develops professional certifications, continuing education, leadership training, and life-readiness programs for members.
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Course Catalog | Professional Development
The MVPro™ Military Community Specialist (MCS) Designation recognizes professionals who have demonstrated specialized education, competency, and a commitment to serving the military-connected community.
MVPro Designations
- MVPro™ Agent
- MVPro™ Lender
- MVPro™ Housing Counselor
- MVPro™ Educator
- MVPro™ Business Affiliate
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MVPro™ Requirements | MVPro™ Application
Military service creates unique experiences, responsibilities, benefits, and housing considerations. Understanding that culture helps professionals better serve military-connected clients.
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MVPro™ Military Community Specialist (MCS)
BOOTS2™ is VAREP's Life Readiness Development Program, offering structured pathways in leadership, career development, entrepreneurship, and personal growth that culminate in optional pathway credentials.
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BOOTS2™ Programs | Course Catalog
VTI courses are available to eligible VAREP National Core Members with an active Military Community Subscription or Housing Professional Subscription. Some programs may have additional eligibility or prerequisite requirements. The two types of course offerings include Core Competency and Continuing Education.
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Membership Requirements | VTI Course Catalog
Yes. VTI offers educational programs that can be delivered to organizations, chapters, businesses, and partner groups seeking professional development or military cultural competency training.
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Corporate Training | Partnership Opportunities
ADVOCACY & PUBLIC POLICY
VAREP advocates for policies that strengthen financial readiness, housing stability, sustainable homeownership, economic opportunity, and the VA Home Loan benefit for the military-connected community.
Why It Matters
Individual assistance changes lives. Public policy changes systems. By advocating for practical solutions, VAREP works to improve long-term outcomes for current and future generations.
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Advocacy | Legislative Priorities | VHFA
The Veterans Housing & Financial Alliance (VHFA), powered by VAREP, is VAREP's legislative and advocacy arm. VHFA works with Congress, federal agencies, industry leaders, and community partners to advance policies that strengthen the military-connected community.
The VAREP Difference
VHFA focuses on issues that directly impact financial readiness, housing stability, sustainable homeownership, and the VA Home Loan benefit while bringing together organizations and stakeholders to develop practical solutions.
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VHFA | Advocacy | Legislative Priorities
VAREP supports legislation and public policy that promotes:
- Financial readiness
- Housing stability
- Sustainable homeownership
- VA Home Loan awareness and access
- Consumer protection
- Military transition and civilian reintegration
- Homelessness prevention
- Economic opportunity for the military-connected community
Why It Matters
Strong public policy helps remove barriers, expand opportunities, and improve long-term outcomes for military families.
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Current Legislation | Advocacy
Every June, the National Policy Conference brings together members, policymakers, government agencies, housing professionals, nonprofit organizations, and industry leaders to discuss solutions that strengthen the military-connected community.
Why It Matters
The conference provides a forum for education, collaboration, and meaningful dialogue while giving members an opportunity to engage directly in the legislative process.
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National Policy Conference | Advocacy Events
Yes. Members are encouraged to stay informed, participate in advocacy initiatives, attend policy events, and help educate elected officials on issues affecting the military-connected community.
Why It Matters
Advocacy is strongest when people with firsthand experience share their stories and expertise. Every member can play a role in creating positive change.
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Advocacy Center | Member Action Center
No. VAREP is a nonpartisan organization that works with leaders from all political parties and levels of government.
Why It Matters
Financial readiness, housing stability, and support for the military-connected community are not partisan issues. VAREP's focus is on practical solutions that improve the lives of those who serve and have served our nation.
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About VHFA | Advocacy Principles
PROGRAMS, EVENTS & COMMUNITY
The MVP Heroes Housing Network™ connects military members, veterans, and community heroes with participating real estate agents and mortgage lenders committed to serving those who serve and give back through the Real Rewards™ Program.
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MVP Heroes Housing Network™ | Real Rewards™ Program
Freedom Flippers™ transforms donated properties into affordable homeownership opportunities for low-to-moderate-income families while preparing buyers for long-term success through HUD-approved housing counseling.
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Freedom Flippers™ | Homeownership Resources
House a Vet™ renovates donated homes and awards them mortgage-free to deserving veteran families as a lasting expression of gratitude for their service.
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House a Vet™ | Volunteer Opportunities
VETCares™ is VAREP's charitable arm, providing grants, emergency assistance, outreach, and supportive services for military-connected individuals and families experiencing financial or housing hardship.
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VETCares™ | Grants & Assistance
The Business Affiliate Marketplace connects VAREP members with trusted businesses offering products, services, and exclusive member discounts while providing participating businesses with opportunities to reach the VAREP community.
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Business Affiliate Marketplace | Become a Business Affiliate
Every October, the VAREP National Convention is the organization's premier annual event, bringing together members from across the country for education, networking, leadership development, business growth, and collaboration.
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National Convention | Registration
Whether you're a military-connected member, housing professional, business partner, or community leader, the Convention offers valuable education, networking, and opportunities to grow personally and professionally.
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Convention Schedule | Registration | Sponsorship Opportunities
VAREP offers opportunities to serve through local Chapters, VETCares™, advocacy initiatives, national committees, educational programs, and community outreach events.
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Volunteer | Chapters | VETCares™
Members interested in serving their local community may pursue leadership opportunities within their local Chapter or assist in forming a new Chapter where one does not currently exist.
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Chapter Leadership | Start a Chapter
PARTNERSHIPS & COLLABORATION
VAREP believes the challenges facing the military-connected community are too important for any one organization to solve alone. Partnerships strengthen our ability to expand services, improve advocacy, share expertise, and create lasting impact.
Why It Matters
Military-connected individuals and families benefit when organizations work together. Collaboration allows each partner to contribute its unique strengths while advancing a common mission.
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Partnership Opportunities | VHFA Powered by VAREP | About VAREP
VAREP welcomes collaboration with Veteran Service Organizations, military service organizations, HUD-approved housing counseling agencies, nonprofit organizations, government agencies, educational institutions, corporations, housing industry organizations, foundations, and community groups.
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Become a Partner | Corporate Partnerships
Partnership opportunities may include strategic alliances, corporate sponsorships, program funding, educational partnerships, advocacy initiatives, event sponsorships, referral relationships, volunteer engagement, and community collaborations.
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Partnership Opportunities | Sponsorship Opportunities
The Business Affiliate Marketplace connects VAREP members with trusted businesses that offer products, services, and exclusive member discounts.
Why It Matters
The Marketplace provides members with access to businesses that support VAREP's mission while giving participating companies meaningful exposure to a national membership community.
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Business Affiliate Marketplace | Business Affiliate Subscription
Organizations may sponsor national programs, conferences, educational initiatives, advocacy events, community outreach projects, scholarships, and other mission-driven activities.
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Sponsor VAREP | National Convention | National Policy Conference
