Hometown Hero Credit

Let’s be real for a second. If you’ve served in the military, you’ve probably heard "Thank you for your service" more times than you’ve had hot meals in the field. It’s a nice sentiment, don’t get me wrong. But at Operation T.A.G. (Tangible Act of Gratitude), we’ve always believed that "thank you" doesn’t pay the closing costs.

For decades, the VA Home Loan has been touted as one of the greatest benefits of military service. And on paper, it is. But here is a stat that should make your blood boil: only 10% to 15% of eligible veterans actually use their VA loan benefit.

Think about that. Nearly 90% of the people who earned the right to a $0-down, no-PMI mortgage are either not buying homes or, worse, being "steered" into more expensive FHA or conventional loans by lenders who find VA loans "too much paperwork."

Well, it’s April 2026, and the government is finally trying to do something about it. But while the new laws are a great start, they still don’t go as far as we do. Let’s break down what’s changing and how we’re making sure you actually get the "tangible" gratitude you deserve.

The VALID Act: No More Hiding the Ball

Part of the larger 21st Century ROAD to Housing Act, the VALID Act is designed to stop the "information gap" that has plagued veteran homebuyers for years.

Have you ever sat down with a lender and had them push an FHA loan on you? They tell you the interest rate looks "comparable," but they conveniently forget to mention the Private Mortgage Insurance (PMI) that stays for the life of the loan or the 3.5% down payment you suddenly have to scrape together.

The VALID Act changes the game in two major ways:

1. Top of the Stack: Military service questions are moving to the very top of the Uniform Residential Loan Application. No more "forgetting" to ask if you served.
2. Side-by-Side Truth: Lenders will now be mandated to provide a side-by-side comparison of VA loans versus FHA loans.

Transparency is a beautiful thing. When you see the numbers next to each other, 0% down vs. 3.5% down, and $0 PMI vs. hundreds of dollars in monthly insurance, the VA loan wins almost every single time.

Why the VA Loan is Your Secret Weapon (If Used Correctly)

The VALID Act is basically the government saying, "Hey, remember that awesome benefit you earned? You should probably use it."

When you use your VA benefit, you’re looking at:

• 0% Down Payment: While your civilian neighbors are saving up $20k or $50k just to get in the door, you can keep that cash in your pocket.
• No Private Mortgage Insurance (PMI): This is a huge monthly saving. On a standard loan, if you don't put 20% down, you pay "insurance" that protects the lender, not you. The VA replaces that with a government guarantee.
• Better Rates: Historically, VA loan interest rates are 0.5% to 1% lower than conventional rates. Over 30 years, that’s enough to buy a fleet of trucks.

But even with the VALID Act making these benefits clearer, there’s still a gap. The government is showing you the door, but they aren't helping you walk through it. That’s where the Hometown Hero Credit comes in.

We Don't Just Compare Loans; We Boost Them

At Operation T.A.G., we’re a non-profit organization. We aren’t here to sell you a mortgage or collect a commission. We’re here to make homeownership actually affordable for the people who defended our right to own property in the first place.

While the VALID Act helps you see your benefits, we boost them with our Hometown Hero Credit.

Here’s the deal: We provide a 2% credit: up to $21,000: to military members, veterans, and Gold Star families.

Let’s be clear about what this is and isn't. This is not a loan. It doesn't have a lien, it doesn't have an interest rate, and you never have to pay it back. It is a gift from our non-profit to your family.

How You Can Use Your 2% Credit

Since the VA loan already covers the down payment (because it’s 0% down), you might be wondering, "What do I do with an extra $21,000?"

We’ve designed the Hometown Hero Credit to be flexible where it matters most. You can use it to:

• Pay Closing Fees: Even with 0% down, closing costs can still be thousands of dollars. We can cover those.
• Buy Down the Interest Rate: Want a lower monthly payment? Use the credit to "buy points" and drop your rate even further.
• Pay Real Estate Agent Fees: Sometimes the math just doesn't work out with the seller; we can fill the gap.
• Pay Down Debt: In some cases, we can even use the credit to pay down your existing debt (like a car loan or credit card) to help you qualify for the VA loan in the first place.

Important Note: Because we play by the rules, the 2% credit is calculated based on your loan amount, not the sales price. Also, it cannot be used for a down payment or for non-loan-related purposes (like buying furniture).

A Message to the Real Estate Community

If you’re a Real Estate Agent or a Broker reading this, the VALID Act is a wake-up call. The "I didn't know they were a veteran" excuse is officially dead.

But beyond the legal requirements, ask yourself: Are you doing enough? Saying "thanks for your service" is the bare minimum. Being a "military-friendly" agent should mean more than just having a flag in your email signature.

We partner with agents who want to put their money where their mouth is. By joining our Ambassador Program, you become the bridge between a veteran and a $21,000 credit that changes their life. You aren't just selling a house; you’re delivering a tangible act of gratitude.

The Legacy Letters Philosophy

In our "Legacy Letters" campaign, we talk a lot about the stories that make up a home. A house isn't just four walls and a roof; it’s where your kids grow up, where you transition back to civilian life, and where you build your future.

We believe in transparency and honesty. The mortgage industry has been "steering" veterans away from their benefits for far too long because VA loans require a little more attention to detail. The VALID Act is a step toward fixing that industry-wide laziness.

But at Operation T.A.G., we don’t wait for the government to catch up. We’ve been providing the Hometown Hero Credit since 2019 because it was the right thing to do then, and it’s the right thing to do now.

Take the Next Step

Whether you’re a veteran looking to buy your first home or a real estate professional who wants to actually give back, now is the time. The 2026 market is moving fast, and with the VALID Act bringing more eyes to VA loans, you want to make sure you have the 2% credit advantage in your pocket.

Don't leave $21,000 on the table just because nobody told you it was there.

Check your eligibility today or join our movement as a brand ambassador.

Let’s turn that "Thank you for your service" into something you can actually live in.

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Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
501(c)(3) non-profit project of HDCF

Websites: www.OperationTAG.org | www.HometownHeroCredit.com
24-hour Information Line: 760-456-8748

Hey there, and welcome back to our Sunday Legacy Letters series. If you’re new here, these letters are a space where we step back from the daily grind of real estate and numbers to talk about what really matters: the values, stories, and spirit we leave behind for our families and our communities.

Today, I want to get a little personal. People who are close to me often joke, “Brett, you’ve never had a real job in your life.” Now, when I hear that, I have to laugh because, in a way, they aren't entirely wrong, but it’s also not the whole story. I did have a "real" job once. I worked at a small convenience store for exactly three months during college. I absolutely hated it. Every minute felt like an hour, and that was my one and only experience with a traditional 9-to-5 life.

The rest of my career has been spent in the world of sales. I loved the flexibility and the ability to make my own hours, but more than that, I loved the entrepreneurial spirit it required. Sales isn't just about moving a product; it’s about understanding people.

The Science of the Face

Early on in my professional journey, I became a student of human behavior. I delved into books and took courses on sales psychology. One thing that particularly intrigued me was the importance of body language, especially facial expressions. I learned how a slight tilt of the head or a micro-expression could tell you exactly what a customer was thinking before they ever said a word.

But something shifted when I embraced Christianity and became active in ministry. I started noticing that people weren't just using body language to negotiate deals; they were using it to hide. I saw how people in pain would put on a "brave face" to mask their inner turmoil. I saw how fear was often tucked behind a forced smile.

One day, in a moment of deep prayer, I asked God for something bold. I prayed for the ability to see into people’s hearts. I wanted to move past the surface-level masks and truly understand the people I was ministering to.

I’ll give you a piece of advice: be cautious about what you ask for, because God has the power to grant it.

A Heavy Burden and an Extraordinary Gift

Following that prayer, a change occurred. As long as I spent time in prayer and immersed myself in God’s Word, I found that I could look into someone’s eyes and discern the state of their heart. It wasn't like a magic trick; it was a spiritual weight.

I started seeing things I never necessarily wanted to see: deep pain, darkness, suffering, and hidden struggles that people worked so hard to keep buried. It became a heavy burden to carry, but it was also an extraordinary gift. When I sat down with someone one-on-one, I didn't have to guess if they were okay. I could see the truth in their eyes.

There is a reason people say, “The eyes are the window to the soul.” We spend so much time on our outward appearance: what we wear, how we style our hair: but our faces truly reflect the state of our minds. While we can’t always change the features we were born with, we have complete control over the expression we carry.

The Face of God and the Mirror of Sin

In the Bible, specifically in Psalm 104, the writer talks about the joy of beholding God’s face. There is a profound peace in being seen by the Creator. Conversely, the Psalmist speaks of the terror that arises when God hides His face from us.

We see this clearly in the story of Adam and Eve. Before sin entered the world, they walked with God openly. But the moment they disobeyed, the divide was created. They could no longer look at God. They tried to hide in the brush, experiencing a sudden, sharp terror because they knew they could no longer face Him. Sin makes us want to turn our eyes away. It makes us want to hide our true selves.

Who Are You Looking At?

Have you ever heard the saying, “If you want to understand someone, observe their five closest companions”? It’s a common concept in personal development. We tend to become like the people we spend the most time with.

In our modern world, we are constantly bombarded by images of celebrities, athletes, and influencers. We admire them, and consciously or subconsciously, we start to emulate their looks, their speech, and their behavior. But if we find ourselves truly captivated by Jesus: if we dedicate time to reading His teachings and sitting in prayer: something incredible happens. We gradually start to be molded into His likeness.

Building a Legacy of Reflection

At Operation T.A.G. (Tangible Act of Gratitude), we talk a lot about legacy. Usually, we talk about it in the context of homeownership and financial stability. Our mission is to help military families, veterans, and Gold Star families build a permanent foundation.

We do this through our Hometown Hero Credit, which is a non-profit program. This isn't just a discount; it’s a 2% credit up to $21,000 based on the loan amount (not the sales price). This credit is a tangible way to say "thank you" for the sacrifices these families have made.

But beyond the financial "tangible act of gratitude," there is the spiritual legacy.

What Do They See?

Today, I want to challenge you to take a moment and reflect on the people in your life: your spouse, your children, your coworkers, and the strangers you pass on the street.

When they gaze upon your face and peer into your eyes, what kind of reflection do they see?

Do they see your stress? Your frustration? Your "entrepreneurial hustle"? Or do they see a reflection of something higher?

If we are spending our time with the right "companion": with Christ: our eyes should reflect His peace, His compassion, and His love. When a veteran comes to us at Operation T.A.G., often carrying the weight of their service and the stress of a move, I want them to see more than just a guy offering a $21,000 credit. I want them to see the image of Christ in the way we serve them.

Our goal is to turn gratitude into action, one story at a time. Whether you are a real estate agent looking to help your clients or a veteran looking for your next home, remember that the legacy you leave isn't just about the houses you buy or the money you save. It’s about the reflection you leave in the eyes of everyone you meet.

Take a moment today to check your reflection. Are you looking like the world, or are you looking like the One who created you?

Make it a great Sunday.

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Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
A 501(c)(3) non-profit project of HDCF

Contact Information:
Websites: www.OperationTAG.org and www.HometownHeroCredit.com
24-hour Information Line: 760-456-8748

Hello everyone! If you are a surviving spouse or a family member of a veteran who served during the Vietnam era or in other areas where Agent Orange was prevalent, I have some news today that could quite literally change your financial landscape.

We talk a lot about "Legacy" here at Operation T.A.G. (Tangible Act of Gratitude). Usually, we’re talking about the legacy of service, the stories we leave behind, or the homes we build for our families. But today, we are talking about a different kind of legacy win: the kind that involves the Department of Veterans Affairs (VA) finally making good on a decades-old debt.

If you’ve ever been denied Dependency and Indemnity Compensation (DIC) in the past, or if you aren't sure if you qualify, grab a cup of coffee and lean in. There are some "secrets", or rather, recent legislative updates, that mean the VA might owe you major back pay starting right now in 2026.

The PACT Act: The Game Changer for Hypertension

For years, many families struggled to get DIC benefits because the VA had a very specific list of "presumptive conditions" related to Agent Orange exposure. If your spouse passed away from something that wasn't on that list, you were often out of luck.

One of the biggest hurdles was hypertension (high blood pressure). We all know how common high blood pressure is, but for Vietnam veterans, it was frequently linked to toxic exposure. Despite this, the VA fought against adding it to the presumptive list for a long time.

That changed with the PACT Act.

Now, hypertension is officially a presumptive condition. This is a massive "Legacy" win for families. It means if a veteran served in a location where Agent Orange was used and they had hypertension, the VA now assumes that their service caused the condition. If that condition contributed to their passing, the surviving spouse is likely eligible for DIC.

Why You Need to Reapply (And Why Back Pay is on the Table)

Here is the "secret" part: many people were denied years ago and just gave up. They thought, "The VA said no, so that’s the end of it."

In 2026, that is no longer the case. If you were previously denied DIC benefits for a condition that is now considered "presumptive" under the PACT Act, you can, and should, reapply.

When you reapply under these new rules, the VA may use an earlier "effective date" for your benefits. Depending on when you first applied and the specifics of the law, this can lead to years of back pay. We are seeing cases where survivors are receiving substantial lump-sum payments because the VA is finally acknowledging claims that should have been approved a decade ago.

This isn't just "extra money." This is the compensation you were entitled to all along for the sacrifice your family made.

Understanding the 2026 DIC Rates

Money is always a tough topic to talk about when it involves the loss of a loved one, but it is a necessary part of taking care of your future. For 2026, the VA has updated the base rate for DIC.

As of this year, the base monthly rate for DIC is $1,699.36.

This amount can increase based on several factors, such as:

• If the veteran was totally disabled for a certain period before their passing.
• If you have dependent children.
• If you require "Aid and Attendance" or are housebound.

While $1,699.36 is a helpful monthly boost, many advocates feel it still isn't enough to keep up with the real-world costs of living. That brings us to another hot topic in the news right now.

H.R. 6047: Better COLAs on the Horizon?

Currently, DIC recipients receive a Cost-of-Living Adjustment (COLA) whenever Social Security recipients do. While that sounds fair on paper, it often doesn't account for the unique financial pressures faced by military survivors.

There is a big push right now for H.R. 6047, a piece of legislation that could lead to dedicated cost-of-living adjustments specifically for DIC recipients. The goal is to ensure that these benefits don't lose their "purchasing power" as inflation fluctuates. If this passes, it would be another layer of security for your family's financial legacy.

A Tangible Act of Gratitude: The Hometown Hero Credit

While the VA handles your monthly compensation, we at Operation T.A.G. want to make sure your housing legacy is secure, too. We know that many surviving spouses are looking to downsize, move closer to family, or perhaps finally buy that "forever home" they always dreamed of.

Through our Hometown Hero Credit program, we offer a tangible way to say thank you. As a non-profit organization, our mission is to reduce the financial burden of homeownership for those who have given so much.

For surviving spouses, we offer a 2% credit (up to $21,000) for home purchases or refinancing.

Here are the important details you should know:

• No Repayment Required: This is a credit, not a loan. You never have to pay it back.
• Calculated on Loan Amount: The 2% is based on the loan amount, not the sales price.
• Flexible Use: You can use this credit to pay closing fees, buy down your interest rate (which is huge in today’s market!), pay real estate agent fees, or even pay down existing debt to help you qualify for a VA loan.
• VA Loan Perks: Remember, VA loans generally do not require a down payment, making homeownership even more accessible. Please note that our credit cannot be used for a down payment or for non-loan purposes.

Whether you are looking to buy a new place or refinance your current home to get some cash out for repairs or to lower your monthly payment, the Hometown Hero Credit is here to help. You can learn more or start the process at operationtag.org.

How to Take Action Today

If you think you might be owed DIC benefits or back pay, please don't wait. The rules are in your favor right now, but the paperwork can take time.

1. Check the Lists: Look up the PACT Act presumptive conditions list. If your spouse’s cause of death is on there, and they served in a covered location, you have a claim.
2. Gather Records: Find your spouse’s DD-214 and any old denial letters from the VA.
3. File a Supplemental Claim: If you were denied before, you typically file a "Supplemental Claim" to reopen the case based on the new law.
4. Reach Out for Help: Don't do this alone. Use a Veterans Service Officer (VSO) or a professional who understands the new 2026 guidelines.

Your family’s service is a legacy worth honoring. Getting the benefits you deserve is part of that honor. And if your next step involves a home, remember that Operation T.A.G. is standing by to help you make that move with the Hometown Hero Credit.

We are so grateful for your sacrifice and your strength. Let's make 2026 the year you get the "yes" you’ve been waiting for.

Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
A 501(c)(3) non-profit project of HDCF

Websites: www.OperationTAG.org | www.HometownHeroCredit.com
Phone: 760-456-8748 (24-hour Information Line)

Hey there, hero! If you’re reading this, chances are you’ve served our country or you’re currently in the thick of it. First off, thank you. Second, if you're looking to buy a home, you’ve probably noticed that the "thank yous" don't exactly pay the closing costs.

In the world of real estate, there are a few programs that claim to have your back. Two big names you’ll see pop up are Homes for Heroes and our very own Operation T.A.G. (Hometown Hero Credit). Both want to help, but when you dig into the numbers, there is a pretty massive gap, like, "brand new kitchen appliances" or "six months of mortgage payments" kind of gap.

Today, we’re doing a deep dive comparison. We’re looking at the history, the perks, the pitfalls, and the bottom line to see which program actually puts more money back in your pocket. Spoiler alert: Math doesn't lie, and today, math is choosing a side.

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Homes for Heroes: The Established Veteran

Their Story

Homes for Heroes was founded in 2002, shortly after the tragic events of 9/11. The mission was clear: give back to those who serve their communities every day. It started as a local effort in Minnesota and has since grown into a massive national network. They’ve done a lot of good over the last two decades, serving not just military members, but also teachers, healthcare workers, and first responders.

The Good

There’s a lot to like here. Because they’ve been around since the early 2000s, they have a huge network. Whether you’re in Florida or Washington state, you can probably find a "Homes for Heroes" specialist. They are a "for-profit" company with a strong philanthropic arm (the Homes for Heroes Foundation), and they serve a wide range of "heroes." If you’re a teacher or a nurse, this is a solid option for you.

The Bad

Here is where things get a bit sticky for our military families.

First, let's talk about the math. If you head over to their website and use their "Estimate your savings" calculator, the numbers are… okay. On a $500,000 purchase (and loan amount), their calculator estimates a savings of $4,200.

Second, and this is the big one for our real estate agent friends: Homes for Heroes requires agents to pay a significant referral fee (up to 30%) of their commission to participate. This can sometimes make agents less enthusiastic about the process because they’re taking a big pay cut to help you.

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Operation T.A.G. (Hometown Hero Credit): The Game Changer

Our Story

Operation T.A.G. (Tangible Act of Gratitude) isn’t just a catchy name; it’s our mission statement. We are a 501(c)(3) non-profit program, which means we aren't in this to pad a corporate bank account. We’re a project of the High Desert Community Foundation (HDCF), and our sole focus is making homeownership affordable for active-duty service members, reservists, veterans, and Gold Star families.

Full disclosure…we do partner with a for-profit mortgage company, PRMG who gives up the majority of the profit they would normally make on a VA loan and gift it back to the military family member as a Tangible Act of Gratitude, putting gratitude over profits.

We created the Hometown Hero Credit because we saw that other programs just weren't doing enough. We wanted to offer something that wasn't just a "nice gesture" but a life-changing amount of support.

The Good

Let’s look at that same $500,000 loan. With the Hometown Hero Credit, we offer a 2% credit up to $21,000. On a $500,000 loan, that is an even $10,000.

Compare that to the $4,200 from the other guys. That is a $5,800 difference in your favor.

Here’s why we’re different:

• No Pay Cut for Agents: We believe real estate agents deserve to keep their hard-earned money. Unlike other programs, we do not ask agents to give up a percentage of their commission. They keep 100%. This makes agents love working with our program.
• Versatility: You can use that 2% credit to pay your closing fees, buy down your interest rate (which saves you tens of thousands over the life of the loan), or even pay down some personal debt to help you qualify for your VA loan.
• Non-Profit Heart: Every dollar we save you is a "Tangible Act of Gratitude." We aren't selling leads; we’re building a legacy.

The Bad

If we’re being honest, the "bad" is that we’re the best-kept secret in the military community. We don't have the multi-million dollar advertising budgets that big for-profit corporations have. We rely on word-of-mouth and amazing people like you sharing our mission. Also, we are strictly for the military community: so while we love our teachers and nurses, this specific credit is reserved for those who have worn the uniform.

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The $5,800 Breakdown

Let’s put these two side-by-side so you can see exactly where your money is going.

Feature	Homes for Heroes	Operation T.A.G. (Hometown Hero Credit)
Organization Type	For-Profit Company	501(c)(3) Non-Profit partnering with a for-profit mortgage lender
Credit Amount ($500k Loan)	~$4,200	$10,000
Maximum Possible Benefit	Varies	Up to $21,000
When You Get It	Usually a check after closing	Credit used during the transaction
Agent Commission	Agent pays a referral fee up to 30%	Agent keeps 100% of their hard earned commission
Primary Use	Cash back but can be used during the transaction	Closing costs, rate buy-down, agent commissions, and in some cases, debt pay-down

As you can see, the Hometown Hero Credit provides more than double the financial benefit on a standard $500k loan. That $5,800 difference can be the difference between a 6.0% interest rate and a 5.0% interest rate if you use it to buy down points. Over 30 years, that’s not just $5,800: that’s closer to $100,000 in interest savings.

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How the Hometown Hero Credit Works

We like to keep things simple. No games, no gimmicks, no hoops to jump through.

1. The 2% Rule: We provide a 2% credit based on your loan amount (not the sales price). Remember, since VA loans generally do not require a down payment, that credit goes a long way.
2. What It Covers: You can use your credit for:
   • Closing Fees: Don't bring your own cash to the table if you don't have to.
   • Interest Rate Buy-Down: Get a lower monthly payment for the life of your loan.
   • Real Estate Agent Fees: Ensure your professional help is taken care of.
   • Debt Pay-Down: If your debt-to-income ratio is a little high for a VA loan qualification, this credit can help clear the path.
3. What It Doesn't Cover: It cannot be used for a down payment (which you usually don't need anyway!) or for non-loan-related purposes.

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Final Verdict: Which is Better for Military Families?

While Homes for Heroes has a great heart and serves a wide variety of people, it simply doesn't hold a candle to the financial power of the Hometown Hero Credit for military families.

If you are a veteran or active duty, why would you leave $5,800 on the table? Operation T.A.G. was built by veterans, for veterans. We understand the sacrifices you've made, and we believe a "Tangible Act of Gratitude" should be exactly that: tangible.

$10,000 is tangible. $21,000 is tangible. A "check in the mail" for half that amount? That's just a nice gesture.

We want to help you build a legacy for your family. We want to help you get into a home with the best possible terms without stressing about where the closing money is coming from.

If you’re ready to see how much you qualify for, or if you’re a real estate agent who wants to help your military clients without losing your commission, let’s talk. You can scan the code above or visit our website to get started.

Let’s get you home.

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Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
501(c)(3) Non-Profit Project of HDCF

Websites: www.OperationTAG.org | www.HometownHeroCredit.com
24-Hour Information Line: 760-456-8748

Hey everyone! I’ve got some absolutely massive news to share today. If you’ve been following the legal battles surrounding veteran benefits, you might have heard a name popping up lately: Rudisill v. McDonough. Now, usually, Supreme Court cases sound like a total snooze-fest, but this one is a straight-up game changer for our veteran community. We are talking about a major victory that effectively “doubles” the potential GI Bill impact for a lot of folks.

For years, the VA basically told veterans who served multiple tours or had different periods of service that they had to make a choice. You could have the Montgomery GI Bill (MGIB) or you could have the Post-9/11 GI Bill, but you were capped at 36 months of total benefits. If you wanted that extra year to finish a Master’s degree or go through a specialized trade program, you were usually out of luck, or paying out of pocket.

Well, the Supreme Court just stepped in and said, “Not so fast.” Thanks to this ruling, we are looking at a brand-new landscape where many veterans can access up to 48 months of total education benefits.

The “Double Dip” is Finally Legal

Let’s break down what this actually means. Previously, the VA operated on a “one or the other” mentality. If you switched from the Montgomery GI Bill to the Post-9/11 GI Bill, they’d often cap your total time at 36 months. It felt like a penalty for those who served longer or had multiple enlistments.

The new ruling changes the math. Now, if you qualify for both programs through separate periods of service: meaning you served one term that earned you the MGIB and another that earned you the Post-9/11: you can use both. You get your 36 months of one, and then you can tap into another 12 months of the other, hitting that federal 48-month limit.

This isn’t just a technicality; it’s a massive financial win. Think about what an extra year of school means. That’s a law degree. That’s an MBA. That’s a specialized medical certification. For our brothers and sisters who are looking to pivot into a high-level civilian career, those extra 12 months are the difference between “almost finished” and “career ready.”

Why This is a Big Deal for Your Career

Transitions are hard. We all know that. When you hang up the uniform, the civilian world can feel like a bit of a jungle. Education is the best machete you’ve got to clear a path.

The Post-9/11 GI Bill was already incredible because of the housing allowance (BAH) and the tuition coverage, but 36 months goes by fast: especially if you’re doing a four-year degree. If you already used some of your Montgomery GI Bill back in the day, you probably thought your Post-9/11 well was going to run dry early.

With this 48-month win, the door is wide open. We are seeing veterans now planning for advanced degrees they previously thought were financially impossible. It’s about more than just a classroom; it’s about the “Tangible Act of Gratitude” that the government owes those who gave years of their lives to the service.

The VA is Actually Doing the Legwork (For Once!)

Here’s the best part: the VA is already starting to automatically review files to identify veterans who were previously capped but should have been eligible for more. You might find a letter in your mailbox sooner than you think.

However, don’t just wait around for the mailman. If you think you fall into this category: specifically if you had two separate periods of service and were told you were capped at 36 months: you need to be proactive. Check your eBenefits portal, call the VA Education Call Center, and make sure they have your updated info. This is your benefit. You earned it with sweat, missed birthdays, and long deployments. Don’t leave a single month of it on the table.

Education is Step One, Homeownership is Step Two

While you’re leveling up your education, you’re also building a future for your family. And that’s where we come in at Operation T.A.G. (Tangible Act of Gratitude). Just like the GI Bill helps you secure your career, our Hometown Hero Credit is here to help you secure your home.

We are a non-profit organization dedicated to making homeownership a reality for the military community. If you’re a veteran, active duty, or a Gold Star family member, you might be eligible for our 2% credit: up to $21,000: to help you buy or refinance a home.

Now, I want to be super clear on how this works because I want you to maximize this just like you’re going to maximize your GI Bill.

1. The Math: The 2% credit is calculated on your loan amount, not the sales price of the home. So, if you’re taking out a $500,000 loan, that’s a cool $10,000 coming back to you.
2. What it Covers: This isn’t for your down payment (and remember, VA loans usually don’t even require one!). You can use this credit to pay off those pesky closing fees, buy down your interest rate (which saves you a ton over 30 years), or pay real estate agent fees.
3. The “Qualification” Boost: Sometimes, the only thing standing between a vet and a VA loan is a little bit of debt. In certain cases, our credit can be used to pay down debt to help you qualify for that loan.

It’s all about creating a “Red, White & Secure” future. If you’re going back to school for another year thanks to the new GI Bill ruling, you’re going to be looking for a stable place to study and raise your family. Using the Hometown Hero Credit alongside your VA loan benefits is the ultimate “power move.”

How to Maximize Your Benefits in 2026

The world is changing for veterans. Between the GI Bill expansion and the current housing market, there has never been a better time to take stock of what you’re entitled to.

Here’s your “Hometown Hero” checklist:

• Audit your service records: Do you have two distinct periods of service? If so, you’re likely eligible for the 48-month education cap.
• Contact the VA: Don’t wait for them to find you. Ask specifically about the Rudisill ruling and how it affects your remaining entitlement.
• Think Long-Term: If you were planning on a career change, look into those Master’s programs or certifications now that you have 12 extra months of coverage.
• Get Your Home Base Set: Reach out to us at Operation T.A.G. to see how the Hometown Hero Credit can save you thousands on your next home. Since we are a 501(c)(3) non-profit, our mission is literally to help you succeed.

Wrapping It Up

This Supreme Court win is a huge victory for common sense and for the veteran community. We’ve all spent enough time dealing with red tape; it’s refreshing to see a ruling that actually expands our horizons rather than shrinking them.

Whether you’re hitting the books for another year or looking to plant roots in a new home, remember that you’ve got a community behind you. At Operation T.A.G., we’re doing everything we can to turn gratitude into action. Let’s make 2026 the year you take full advantage of everything you’ve worked so hard for.

Stay safe, stay informed, and go get what’s yours!

Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
A 501(c)(3) non-profit project of HDCF

Websites: www.OperationTAG.org | www.HometownHeroCredit.com
Phone: 760-456-8748 (24-hour Information Line)

Hey there, and Happy Easter Sunday!

I am so glad you’re here with me today. Whether you’re reading this over a morning cup of coffee before the kids wake up for an egg hunt, or you’re winding down after a big family dinner, I want to welcome you. Today is a day of renewal, a day of hope, and for me, it’s the perfect day to share a piece of my heart through what we call our "Legacy Letters."

Easter is all about the ultimate transformation, the move from death to life, from darkness to light. When I look back at my own life, that’s exactly what I see. If you met me forty-five years ago, you wouldn't recognize the man I am today. In fact, you probably wouldn't have wanted to be anywhere near me.

The Turbulent Years in Riverside

My high school and early college years were, to put it mildly, turbulent. I wasn’t just a "rebellious kid." I was rude, I was full of hate, and honestly, I didn’t care about anyone’s opinion. I had a chip on my shoulder the size of a mountain, and I was looking for any excuse to knock it off.

Back in the late 1970s in Riverside, California, things felt a bit different. On Friday nights, while most kids were thinking about movies or football games, my buddy Bill and I were looking for trouble. Now, Bill wasn’t just any friend, he worked as a bodyguard for the leader of a national hate group. We were a dangerous pair. We were both young, fierce, angry, and we were both black belts in Tae Kwon Do.

Guns weren’t really a thing in the streets back then like they are today, so it was all about hands and feet. We would cruise around Riverside in my car, hunting for a fight. We’d see a group of guys, maybe four to seven of them, just hanging out, chatting, playing basketball, or having a few drinks. We’d park the car a block away so they wouldn't see us coming. Then, we’d wrap our Levi’s jackets around our left arms, a makeshift shield for the punches we knew were coming, and we’d just walk up and start throwing.

It was never a fair fight. Even though it was two against seven, our training and our sheer rage meant we usually walked away while they stayed down. I’m not proud of that. I look back at that young man in the Levi’s jacket and I barely recognize him. He was a "temple" of a very different kind of spirit back then.

The Night Everything Changed

The shift didn’t happen gradually. It wasn't a "five-step plan" to self-improvement. It was an encounter.

My friend Vicky eventually convinced me to go to church with her. I didn’t go because I wanted to change; I probably went just to get her off my back. But that night, I was introduced to Jesus. And I don’t say this lightly: everything changed.

In an instant, that burning anger that had fueled my Friday night rages simply vanished. It didn't just fade; it was gone. In its place, love flooded my body beyond measure. It was a physical, emotional, and spiritual overhaul that I couldn't explain then and can barely describe now. My life took a completely different path from that moment forward.

Today, people who know me, especially the folks I work with at Operation T.A.G., often call me “Mr. Rogers.” It’s a joke, but it’s also a testament to the peace I carry now. I’ve been happily married to the love of my life for 40 years. We have three wonderful grown children and six amazing grandchildren. I’ve spent decades in ministry, touching the lives of thousands and having the incredible joy of leading others to Christ.

I don’t tell you this to brag about what I’ve done. I tell you this to show you what He can do. My story is a living example of the incredible transformation Christ can bring through His Holy Spirit.

What Is Your Legacy?

This brings me to why we do what we do at Operation T.A.G. (Tangible Act of Gratitude). Our mission isn’t just about real estate or financial credits; it’s about people. It’s about building a business, building a legacy, and making a difference.

When you experience a transformation like mine, you start to look at the world differently. You start asking yourself the big questions:

• Have you ever thought about the impact your life could have?
• How can your life be a blessing to others?
• How can you make the world a better place?
• How can your life have lasting value?
• How can you live a purposeful life?

The truth is, your life can be incredibly fruitful. As a believer, the Holy Spirit resides within you. You don't have to carry the weight of the world on your shoulders, and you certainly don't have to carry the weight of your past.

As it says in 2 Corinthians 6:16: "For we are the temple of the living God. As God has said: ‘I will live with them and walk among them, and I will be their God, and they will be my people.’"

Just as God dwelt in the Holy of Holies in the Old Testament, He now dwells in you and me through His Holy Spirit. And when the Spirit moves in, He starts producing "fruit."

Galatians 5:22–23 tells us what that looks like: "But the fruit of the Spirit is love, joy, peace, forbearance, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law."

That’s the legacy I want to leave. Not a trail of broken Levi's jackets and street fights, but a legacy of kindness, peace, and tangible acts of gratitude.

Making a Difference: The Hometown Hero Credit

One of the ways I try to live out this legacy is through the Hometown Hero Credit. At Operation T.A.G., we are a non-profit organization dedicated to supporting those who serve our communities and our country.

We believe that those who have sacrificed, our veterans, active-duty military, and Gold Star families, deserve more than just a "thank you." They deserve a tangible act of gratitude. That’s why we offer a 2% credit up to $21,000 to help military families buy or refinance a home.

It’s important to understand how this works because we want to make sure every hero gets the full benefit they’ve earned. This is a non-profit program, and the 2% credit is calculated on the loan amount, not the sales price. Since VA loans generally do not require a down payment, this credit can be a massive boost in other areas.

You can use this credit to:

1. Pay closing fees: This can save you thousands of dollars out of pocket at the signing table.
2. Buy down the interest rate: Lowering your monthly payment for the life of the loan.
3. Pay real estate agent fees: Easing the financial burden of the transaction.
4. Pay down debt: In some cases, we can use this to help you qualify for a VA loan by reducing your debt-to-income ratio.

Please note: This credit cannot be used for a down payment or for non-loan related purposes.

By helping heroes secure their piece of the American Dream, we are helping them build their own legacies. We are helping them create a stable home where their children and grandchildren can grow, just like mine have.

A Final Thought for Easter

Today, on this Easter Sunday, I want to challenge you. What will your legacy be?

Your past doesn’t define your future. I am living proof of that. Whether you are currently in your "Levi’s jacket" phase: full of anger or confusion: or you are looking for a way to make your current success more meaningful, know that transformation is possible.

You have the power to make the world a better place. You have the opportunity to be a blessing. Whether it's through your family, your business, or by supporting a mission like ours at Operation T.A.G., your life can have lasting value.

Build a business. Build a legacy. Make a difference.

Happy Easter, everyone. Let’s make it a year of transformation.

Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
A 501(c)(3) non-profit project of HDCF

Contact Information:
Websites: www.OperationTAG.org | www.HometownHeroCredit.com
Phone: 760-456-8748 (24-hour Information Line)

Hey everyone! It is a big day here at Operation T.A.G. (Tangible Act of Gratitude). As we continue to grow and expand our mission of serving those who have served us, we’re always on the lookout for people who don’t just talk the talk but actually walk the walk.

If you caught my last post, you know I’ve been thinking a lot about the difference between "marketing" and "serving." In this industry, it’s easy to slap a flag on a flyer and call it a day. But at Operation T.A.G., we believe that if our military families are "worth it", and they absolutely are, then they deserve more than just slogans. They deserve tangible, financial support that changes the trajectory of their lives.

That’s why I am beyond excited to officially welcome our newest Hometown Hero Credit Community Ambassador: Randy Wilson.

Randy isn't just another guy in the mortgage industry. He is a man who has spent his entire career looking for ways to improve the quality of life for the families in his community. Whether he was crawling through attics to check insulation or helping a first-time buyer navigate a complex loan, Randy’s heart has always been in the right place: service.

A Legacy of Service and Expertise

When we look for Community Ambassadors, we look for a very specific "DNA." We need people who understand the technical side of real estate and lending, sure, but they also need a deep-seated commitment to helping others. Randy Wilson has both in spades.

Randy is a dedicated Loan Officer with Paramount Residential Mortgage Group (PRMG). For those who don’t know, PRMG is one of the nation’s leading independently owned mortgage lenders. By leveraging their advanced technology and massive resources, Randy is able to provide his clients with competitive products and a seamless path to closing.

But Randy’s story goes much deeper than just the last few years in lending. He has been a licensed Real Estate Broker in the State of Georgia since 1997. Think about that for a second. He has nearly three decades of experience watching the market shift, seeing families grow, and understanding the nuances of Georgia real estate. That kind of "boots-on-the-ground" knowledge is exactly what our veterans and active-duty members need when they are making one of the biggest financial decisions of their lives.

From Energy Audits to Homeownership

One of the things that stood out to me most about Randy’s background is his 25-year career with a statewide electrical company in Georgia. He served as a Certified Energy Auditor, advising families on how to make their homes more efficient.

Now, you might be wondering, "Brett, what does energy auditing have to do with the Hometown Hero Credit?"

It’s about the mindset. Randy didn’t just tell people how to save a few bucks on their power bill; he served as an Energy Efficiency Program Manager, overseeing initiatives that provided upgrades like attic insulation, air sealing, and smart surge protection to income-qualified homeowners at no cost.

That is the definition of a "Tangible Act of Gratitude." He spent decades ensuring that families, especially those who might be struggling, had a safer, more affordable place to live. That commitment to improving financial well-being and quality of life is the exact energy he brings to our mission here at Operation T.A.G.

Why Randy is the Perfect Fit for Operation T.A.G.

At Operation T.A.G., a 501(c)(3) non-profit organization, our mission is to facilitate the Hometown Hero Credit. This isn't a "maybe" or a "someday" benefit. It is a real, 2% credit (up to $21,000) designed to help military families buy or refinance a home.

Randy’s approach to lending is rooted in three things: Education, Transparency, and Responsiveness.

He doesn’t just hand over a pile of paperwork and tell you where to sign. He ensures that every client, whether they are a first-time homebuyer or a seasoned investor, understands their options. When you’re dealing with VA loans and specialized programs, you need someone who can translate "bank-speak" into plain English.

Understanding the Hometown Hero Credit

Since Randy is joining us as a Community Ambassador, I want to make sure everyone reading this understands exactly what he’ll be helping families achieve through our non-profit program.

The Hometown Hero Credit is a 2% credit on the loan amount, up to a maximum of $21,000.

Here is the breakdown of how this tangible act of gratitude can be used:

• Closing Fees: It can be applied to cover those pesky costs that pop up at the end of a transaction.
• Interest Rate Buy-Down: In today's market, this is huge. You can use the credit to lower your monthly payment for the life of the loan.
• Real Estate Agent Fees: It can help cover professional fees associated with the move.
• Debt Pay-Down: This is a game-changer. In some cases, the credit can be used to pay down existing debt to help a family qualify for their VA loan.

A few important things to remember:

1. The credit is calculated on the loan amount, not the sales price.
2. It cannot be used for a down payment (though, as many of you know, VA loans generally do not require a down payment anyway!).
3. It cannot be used for non-loan purposes.

Randy knows these details inside and out. He understands that for a military family, $21,000 isn't just a number on a ledger, it’s the difference between a "house" and a "home." It’s the ability to keep more money in their pocket for their kids' education or for their own retirement.

Education as a Tool for Empowerment

One of the reasons Randy and I hit it off is our shared belief that education is the ultimate tool for empowerment. Randy specializes in a broad range of programs, VA, FHA, conventional, and jumbo, but his heart beats for the VA loan.

There are so many myths out there about VA loans. Sellers are sometimes told they are "too difficult," and veterans are sometimes told they shouldn't use them. Randy is here to bust those myths. By combining his deep knowledge of the Georgia real estate market with the power of our non-profit credit, he is creating a "seamless path" for heroes to get into homes.

When Randy speaks with a veteran, he isn't just looking at a credit score. He’s looking at a family who has sacrificed. He’s looking at a story. And because he’s a man of integrity, he builds lasting relationships. He wants to be your lender for life, not just for one transaction.

Joining the Squad

Becoming a Community Ambassador for the Hometown Hero Credit isn't just a title. It’s a commitment to being a local resource. It means Randy is the point person for military families in Georgia who want to know how to maximize their benefits.

He’s partnering with real estate professionals who want to offer more to their clients. If you’re an agent in Georgia and you want to tell your military clients, "Hey, I can help you get up to $21,000 back at closing through this non-profit program," then Randy is the man you need to call.

Randy Wilson represents the best of what we do. He’s a bridge-builder. He takes the resources of a massive lender like PRMG and combines them with the heart of a local non-profit like Operation T.A.G.

How to Get Started

If you’re a veteran, an active-duty member, or a Gold Star family looking to buy or refinance in Georgia, don’t navigate this alone. You deserve someone who has spent 30 years learning the landscape and who genuinely believes "You are worth it."

Randy is ready to help you look at your financing options with total transparency. No hidden agendas, no "marketing" fluff: just honest, strategic lending solutions that make a real difference.

Welcome to the squad, Randy! We are honored to have you on the front lines with us.

To everyone reading: If you want to see if you qualify for the 2% Hometown Hero Credit (up to $21,000), or if you want to connect with Randy, scan the code below or visit our website.

Let’s turn gratitude into action. Together.

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Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
A 501(c)(3) non-profit project of HDCF

Websites: www.OperationTAG.org | www.HometownHeroCredit.com
Phone: 760-456-8748 (24-hour Information Line)

I spoke with a Brigadier General this morning.

I’ve been around a long time, I’m 66 years old now, and I’ve had the privilege of meeting a lot of incredible people in this line of work. But this morning was different. I reached out to him simply to say "thank you." I wanted to acknowledge his years of service, the sacrifices his family has made, and the weight he’s carried on his shoulders for our country.

He looked me straight in the eye and said something I will never forget:

“You are worth it.”

That stopped me cold.

It hit me in a way I wasn’t expecting. It wasn’t a scripted line. It wasn’t a PR move. It was a man who has lived through the grit, the distance, and the danger, telling me, and really, telling all of us, the "why" behind his life’s work. He did it because he believes we are worth the sacrifice.

When someone of that stature looks you in the eye and tells you that you are worth their life’s work, you don’t just walk away from that conversation and go back to business as usual. You stop. You reflect. And then, you have to ask yourself a very hard question:

Am I living up to that?

The Difference Between a Flag and a Sacrifice

This brings me to something that has been weighing on my heart for a long time. In the real estate and mortgage industry, we see a lot of "patriotism." You see the flags on the flyers. You see the slogans in the email signatures. You see the "Happy Veterans Day" posts on social media every November.

But I have to ask: Is it marketing, or is it service?

If the men and women of our military believe we are worth it, worth their time, their health, and their lives, why are so many people in this industry unwilling to sacrifice even a fraction of their commission to actually serve them better?

Why is it all flags and slogans until it actually costs something?

When I founded Operation T.A.G. (Tangible Act of Gratitude), I wanted to move past the words. Words are easy. Slogans are cheap. A "Tangible Act" is something you can feel. It’s something that changes the math for a family trying to find a place to call home.

Marketing vs. True Service

I recently came across some thoughts by Seth Godin, who is a brilliant mind in the world of marketing. He says that marketing isn’t about selling products, it’s about effecting change. It’s a generous act of helping someone move from "Point A" to a better "Point B."

When marketing is done right, it is service. But when it’s just a way to get a lead or close a deal without offering any real value or sacrifice, it’s just noise.

In our world, "Point A" is a military family struggling to navigate the complexities of homeownership, often dealing with the stress of relocation, rising interest rates, and the high cost of living. "Point B" is that same family sitting on their new front porch, knowing they are financially secure.

If we aren't doing everything in our power to move them to Point B, even if it costs us a piece of the pie, then we aren't serving. We’re just marketing.

What is a Tangible Act of Gratitude?

At Operation T.A.G., we don’t just want to say "thank you." We want to show it. That is why we facilitate the Hometown Hero Credit.

This isn't a government program; it’s a mission-driven initiative through our 501(c)(3) non-profit organization. We provide a 2% credit, up to $21,000, to help military members, veterans, and Gold Star families buy or refinance a home.

When I talk to real estate professionals or lenders about this, I often see a hesitation. Why? Because it requires a shift. It requires prioritizing the family over the maximum possible profit. But when I think back to that Brigadier General, I realize that the hesitation we feel in the industry is nothing compared to the hesitation a soldier feels before a deployment, and they go anyway.

How the Hometown Hero Credit Actually Works

I want to be very clear about how this works, because transparency is part of service. We aren't here to play games with the numbers.

1. The Amount: We facilitate a credit of 2% of the loan amount, capped at $21,000.
2. The Calculation: This is calculated based on the loan amount, not the sales price of the home. Since VA loans generally do not require a down payment, this distinction is important for your financial planning.
3. What It Covers: This credit is designed to remove the obstacles to homeownership. It can be applied toward:
   • Paying off closing fees.
   • Buying down the interest rate (which is huge in today’s market!).
   • Paying real estate agent fees.
   • In some cases, paying down existing debt to help a veteran qualify for their VA loan.
4. What It Is Not: This credit cannot be used for a down payment or for non-loan-related purposes.

This is about making the dream of homeownership "Red, White, and Secure." It’s about ensuring that when a veteran comes home, they actually have a home that they can afford and sustain.

Why "You Are Worth It" Matters

The reason I’m so passionate about this, and the reason I’m still doing this at 66, is because that Brigadier General was right. You are worth it.

Our military families move an average of every two to three years. They deal with "spouse unemployment" because of those moves. They deal with the anxiety of being away from loved ones. They give up the stability that most of us take for granted.

If they can give all of that for us, the very least we can do as an industry is ensure they aren't being treated as just another "lead" or "transaction."

When we offer the Hometown Hero Credit, we are telling that family: "We see your sacrifice, and we are willing to match it with a sacrifice of our own." That is the difference between a business transaction and a Tangible Act of Gratitude.

A Call to My Peers in the Industry

If you are a real estate agent or a professional in this space, I want to challenge you. Are you putting the flag on your business card because it looks good, or are you doing it because you are ready to serve?

Service costs something. It costs time, it costs effort, and yes, sometimes it costs money. But the reward, helping a hero secure their future, is worth more than any commission check could ever provide.

We invite you to join us. Let’s stop just "marketing" to veterans and start actually "serving" them.

To Our Military Families

To every service member, veteran, and Gold Star family reading this: please know that our mission is fueled by you. We know the industry can feel overwhelming. We know the costs are high. But we want you to know that there are people out here who truly believe in the words of that General.

You are worth it. Not in words, but in action.

If you are looking to buy a home or refinance your current one, don't settle for a "thank you" and a handshake. Look for the tangible support you’ve earned. We are here to help you navigate the process and provide the financial bridge to get you into your home.

Visit us at www.OperationTAG.org to see how we can put this 2% credit to work for you. Let’s make your homeownership goals a reality.

Because when someone who has given everything looks you in the eye and says, “You are worth it”…

You don’t walk away from that. You live up to it.

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Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
A 501(c)(3) non-profit project of HDCF

Contact Information:
Websites: www.OperationTAG.org and www.HometownHeroCredit.com
Phone: 760-456-8748 (24-hour Information Line)

Welcome to another Sunday Legacy Letter. I’m so glad you’ve taken a moment out of your weekend to sit down and share this space with me. These letters are my way of looking back at the lessons life has taught me: often through trial and error: and finding the threads of gratitude and faith that tie it all together.

Today, I want to take you back to the late 1970s. It was a different world then, and I found myself in a position that would eventually shape much of how I view leadership, service, and our mission here at Operation T.A.G. (Tangible Act of Gratitude).

The Underdogs of the Court

In the late 70s, I had the privilege of coaching a men’s tennis team at a local college. Now, to give you some context, this wasn't exactly a powerhouse program. The college had never won a league championship. We didn’t have a roster full of "blue-chip" recruits or top-tier players who had been groomed for greatness since they were five years old.

It was a challenging task, to say the least. We were the underdogs. But I had the full support of our athletic director, and together, we set out to change the culture. We managed to recruit a decent group of players: guys with heart and potential: but they weren’t a team yet. They were just a collection of individuals who happened to play the same sport at the same school.

Success is in the Details

For an entire year, I dedicated myself to this group. Our work didn't start when the season began; it started months before the first serve was ever hit in a competitive match.

I’ve always believed that you can’t always control the talent you’re born with, but you can absolutely control your preparation. We focused on everything. And when I say everything, I mean the things people usually overlook:

1. Fitness: We ran until their lungs burned, ensuring they could outlast any opponent in a third-set tiebreak.
2. Strategy and Tactics: We studied the game, learning how to exploit weaknesses and play to our strengths.
3. Technique: We refined every stroke, from the serve to the backhand volley.
4. Hydration and Hygiene: It sounds simple, but it mattered. I made sure every player was properly hydrated and understood how to take care of their bodies.

But more than the physical stuff, we talked about what it truly meant to be a team. I took it upon myself to remove every obstacle in their way. I made sure they had fresh practice clothes and clean towels every single day. I attended to their injuries myself: the pulled muscles, the inevitable blisters, the sore joints.

My goal was to create an environment where the only thing they had to worry about was their performance on the court. I wanted them to know they were cared for, so they could give 100% of themselves to the mission.

The Taste of Victory

We didn’t win every match. In fact, there were days when we gave our absolute all and still came up short on the scoreboard. That’s sports, and that’s life. However, our collective efforts over the course of that year began to snowball.

Something clicked. Those individual players became a unit. They started playing for each other, not just for themselves. By the end of the season, we did something that had never been done in the history of that college: we secured the first-ever league championship in men’s tennis.

It didn’t stop there. Our number one singles player went on to win the individual league championship and even took home the trophy at the prestigious Ojai tournament. It was an extraordinary year, filled with accomplishments that these young men would carry with them for the rest of their lives.

The Myth of Perfection

Looking back, it’s easy to paint a picture of myself as the perfect coach who had it all figured out. But let me be very clear: I was far from perfect. I made mistakes. I stumbled. I made poor decisions at times, whether it was a tactical error during a match or a lapse in judgment in how I handled a situation.

What kept me going throughout that year was a realization that has stayed with me ever since: Perfection is unattainable.

In our world, we are often told that if we aren't perfect, we've failed. But the truth is, only Jesus is perfect. As humans, we are bound to fall short. My focus shifted from trying to be perfect to simply giving 100% of what I could control and leaving the rest to God.

There were many instances where my 100% effort still fell short of what was required for the task at hand. In those moments, I had to trust that God would provide the additional strength, wisdom, or grace needed to fill the gap. I instilled this same mindset in my players. I urged them to give nothing less than their best each day and to find contentment in the outcome, regardless of the result, because they knew they had left it all on the court.

Grace for the Imperfect

This lesson isn't just for tennis coaches or athletes. it's for everyone. I am incredibly grateful that God’s love for the world is boundless. He doesn't wait for us to be "championship material" before He loves us.

As John 3:16 reminds us, "For God so loved the world that He gave His one and only Son, that whoever believes in Him shall not perish but have eternal life." And as stated in Romans 5:8, “While we were still sinners, Christ died for us.”

God understands that perfection is a standard we can't reach on our own. He loves us in our "stumbling," in our "poor decisions," and in our "100% that isn't quite enough." When you fall short today: and let's be honest, we all will: know that God's love is bigger than your mistakes. It is only through Christ that our 100% can ever hope to be enough.

Turning Gratitude into Action

At Operation T.A.G., we try to mirror this "all-in" mentality. We know that the veterans, active-duty service members, and Gold Star families we serve have given their 100% for our country. They’ve faced challenges most of us can’t imagine, and they’ve done it with a commitment to a cause greater than themselves.

That’s why we created the Hometown Hero Credit. It is our tangible act of gratitude: a way for us to step onto the court with you and help handle the "small stuff" so you can focus on building a home and a future for your family.

The Hometown Hero Credit is a non-profit program that provides a 2% credit up to $21,000 based on the loan amount (not the sales price). We want to make sure you know exactly how this can be used to eliminate obstacles in your home-buying journey:

• Closing Fees: We can help cover those out-of-pocket costs that pop up at the end of a deal.
• Interest Rate Buy-Down: We can use the credit to lower your monthly mortgage payment.
• Real Estate Agent Fees: We can help offset the costs of professional representation.
• Debt Pay-Down: In some cases, we can help pay down existing debt to help you qualify for your VA loan.

It’s important to remember that this credit cannot be used for a down payment (though VA loans generally don’t require one anyway!) or for non-loan purposes. It is a dedicated resource designed to make the dream of homeownership more accessible for those who have served.

Final Thoughts

Whether you are on a tennis court, in a boardroom, or navigating the complexities of buying a home, remember the 100% rule. Control what you can, give your absolute best effort, and then have the humility and faith to leave the rest to the One who is truly perfect.

You don't have to be perfect to be a hero, and you don't have to have it all figured out to move forward. Give your 100% today, and let God handle the rest.

In Gratitude,

Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
501(c)(3) non-profit project of HDCF

Websites: www.OperationTAG.org and www.HometownHeroCredit.com
24-hour Information Line: 760-456-8748

Hey there, and thanks for stopping by the blog today. I’m really glad you’re here because we have some pretty heavy, yet important, news to talk about regarding our veteran community. If you’ve been following the headlines this week in March 2026, you’ve probably seen the name "DICT Act" floating around.

Officially, it’s known as H.R. 6047, the Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act of 2026. That is a mouthful, I know. But behind that long title are some of the most significant changes to veteran benefits we’ve seen in decades.

As the National Director of Operation T.A.G. (Tangible Act of Gratitude), I spend a lot of my time looking at how legislation impacts the actual wallets of our military families. This new Act is a classic "good news, bad news" situation. There are some incredible wins for survivors and disabled veterans, but there’s also a "catch" involving VA home loan fees that has my team and me keeping a very close eye on the fine print.

Let’s break down what’s happening, why it matters, and how we’re planning to help you navigate it.

The Good News: A Boost for Survivors

First, let’s talk about the win. For years, decades, actually, the Dependency and Indemnity Compensation (DIC) for surviving spouses has been lagging behind. If you aren't familiar, DIC is the tax-free monetary benefit paid to eligible survivors of service members who died in the line of duty or veterans whose death resulted from a service-related injury or disease.

For too long, these families have been expected to get by on a flat rate that didn't keep pace with the real world. The DICT Act finally addresses this.

The Act schedules a 1% annual increase in DIC for survivors every year for the next five years.

Now, I know a 1% increase doesn’t sound like a jackpot, but when you consider that this is the first major structural boost in a generation, it’s a big deal. It’s named in honor of Sharri Briley, and it represents a long-overdue acknowledgement that the cost of living doesn’t stand still for Gold Star families.

Support for Catastrophically Disabled Veterans

The other major pillar of this Act is the support for our catastrophically disabled veterans, named after Eric Edmundson. For those who have sacrificed so much and require significant daily care, the DICT Act provides a $10,000 annual boost in benefits.

This is huge. That extra $10,000 a year can mean the difference between struggling to modify a home for accessibility and actually having the resources to live comfortably. It’s a tangible act of gratitude from the government that we fully support here at Operation T.A.G.

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The Catch: Who’s Paying for It?

Here is where things get a bit complicated. In Washington, nothing is ever truly free. To fund these much-needed increases for survivors and disabled vets, Congress had to find the money somewhere.

Their solution? Raising VA home loan funding fees.

Specifically, the plan involves charging higher VA home loan funding fees to veterans with a disability rating of 70% or lower.

If you’ve bought a home using your VA benefits before, you know that the funding fee is a one-time payment that helps keep the program running for future generations. Typically, veterans with a service-connected disability are exempt from this fee. However, under this new proposal, a segment of the veteran population might see these costs tick upward to cover the cost of the DICT Act.

At Operation T.A.G., we have mixed feelings about this. We absolutely love seeing more support for survivors and catastrophically disabled heroes, they’ve earned every penny and then some. But we also believe that we shouldn't be "robbing Peter to pay Paul." Increasing the cost of homeownership for one group of veterans to pay for the benefits of another feels like a tough pill to swallow.

How Operation T.A.G. is Stepping Up

This is exactly why our mission exists. When the government shifts the goalposts, we’re here to make sure you still have a clear shot at the American Dream.

Whether the VA funding fee goes up or down, our goal is to lower your overall cost of getting into a home. This is where our Hometown Hero Credit comes into play. If you are a veteran, service member, or Gold Star family member, we provide a 2% credit up to $21,000 to help you buy or refinance a home.

Because we are a non-profit organization, our priority isn't profit margins, it's you. If the DICT Act makes your VA loan a little more expensive upfront, our 2% credit is designed to wipe those extra costs off the map.

What Can You Do With the 2% Credit?

I want to be very clear about how this works because I want you to get the maximum benefit. Our credit is calculated based on the loan amount, not the sales price. Since VA loans generally do not require a down payment (one of the best perks of serving!), you can use this credit for almost everything else.

You can use the Hometown Hero Credit to:

1. Pay Closing Fees: Those "junk fees" and administrative costs that pop up at the end of a deal? Use the credit to cover them.
2. Buy Down Your Interest Rate: With rates being what they are these days, using our credit to "buy points" can save you hundreds of dollars every single month for the life of your loan.
3. Pay Real Estate Agent Fees: Sometimes there are gaps or specific fees your agent needs covered. We’ve got you.
4. Pay Down Debt: In some cases, we can even apply the credit to pay down your existing debt to help you qualify for the VA loan in the first place.

Important Note: Per regulations, this credit cannot be used for a down payment or for non-loan purposes.

Why This Matters Right Now

The DICT Act is a reminder that the landscape for veterans is always changing. While we celebrate the wins for survivors, we have to stay vigilant about the costs of homeownership.

Buying a home is one of the most stable ways to build a legacy for your family. It’s why we call our initiative "Red, White & Secure." We want you to have a roof over your head that you own, without the stress of hidden fees or rising government costs.

If you’re thinking about buying a home in 2026, don’t let the news about funding fees discourage you. My team at Operation T.A.G. is ready to walk you through the process and apply that 2% credit to make sure your move is as affordable as possible.

Final Thoughts

I’ve always said that gratitude is a verb. It’s not enough to just "thank" a veteran for their service; we have to show it in ways that actually help their lives. The DICT Act is a step in the right direction for our survivors, and we are going to do our part to make sure the "funding catch" doesn't stop veterans from owning their own slice of the country they defended.

If you have questions about the DICT Act, VA loans, or how to claim your $21,000 credit, please reach out. We are here to help.

Stay safe out there, and thank you for everything you do.

Brett Stacy
National Director & Founder of the Hometown Hero Credit
A program of Operation T.A.G. (Tangible Act of Gratitude)
501(c)(3) non-profit project of HDCF

Websites: www.OperationTAG.org and www.HometownHeroCredit.com
Phone: 760-456-8748 (24-hour Information Line)