NMP - November 2019 - 50

a special focus on A SALUTE TO THE HEROES OF HOMEOWNERSHIP a special focus on

A Salute to the
Heroes of
Homeownership
Honoring
Our Veterans

By Beverly Ray Frase

hinking about our veterans and how best to honor them in 2019, it occurred to me that one of
the best stories lies in you, the "Boots Across America" working with our military and their
families across the nation. Even before the first Certified Military Home Specialist (CMHS)
course was written and trained in 2010, many of you were out there doing your best to deliver
the most appropriate loan products and services you could to our active duty military
servicemembers and their families, our veterans, retirees, and guard and reserve members.
Once I hit the road to train the CMHS course nationally, the drive was on to make outstanding skilled
services a priority to a very underserved niche market. What we've seen since then has been phenomenal!
Met with the most enthusiastic crowds I've ever seen, eager classes of hundreds at a time sat through a
two-hour "fire hose" class to earn their CMHS certifications and go forth to do whatever they could to help
give back to those who dedicate their lives to all of us.
What started as groups of housing professionals who showed up with wide-eyed trepidation to give it
their best shot, always ended with smiling lenders, real estate agents and housing counselors who knew
they had the skills to confidently put our nation's heroes into homes and budgets they could afford. The
impact this has had on our military families has been enormous. Remember, this gives our deployed
members, especially, the freedom to concentrate on their job at hand without worrying about housing issues
back on the home front.
The biggest constant we always had, no matter the size or location of the class, was this overwhelming
response: "We can't wait to get started helping our military and giving back in some way for all they've done
for us! We're ready ... just tell us what to do!"
We began at a time when, with classes of hundreds, we often had no one in the group who had ever
heard of things like the Servicemembers Civil Relief Act or "SCRA." Now, we have legions of Boots Across
America out there making sure these critical guidelines and benefits are made known where they're most
needed: Those whom they were created to protect. Many still don't know they can cancel leases with PCS
orders, have interest rates capped, certain court cases postponed and much more.
The biggest hurdle we first tackled were the improper foreclosures that had already been done to far too
many of our active duty and deployed servicemembers, perimeters of which are clearly defined in SCRA.
Basically, no one was paying attention to these critical SCRA safeguards, written first in the 1940s as the
original Soldiers and Sailors Relief Act though the original intent and language is from the late 1800s. There
was no consequence or fine for these improper foreclosures, and they ran unchecked for years by a variety
of lenders, both large and small. That changed with increased awareness and monitoring.
There are now consequences for wrongful foreclosures and fines in place to ensure everyone involved
checks the active duty status of any servicemember prior to starting foreclosure actions. Although many

T

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NMP - November 2019

Table of Contents for the Digital Edition of NMP - November 2019

Contents
NMP - November 2019 - CT1
NMP - November 2019 - CT2
NMP - November 2019 - Cover1
NMP - November 2019 - Cover2
NMP - November 2019 - 1
NMP - November 2019 - Contents
NMP - November 2019 - 3
NMP - November 2019 - 4
NMP - November 2019 - 5
NMP - November 2019 - 6
NMP - November 2019 - 7
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NMP - November 2019 - Cover3
NMP - November 2019 - Cover4
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