The PCSing Spouse

Where Spouses Help Spouses

Tag: understanding

Careers and the MilSpouse: The Good, the Bad and the Reality Creating a LinkedIn Profile

Welcome back ya’ll! We are nearing the end of this series, only 2 more post after this, and it is my sincere hope that the information up to this point has been useful to those looking to resume working and those just beginning this journey. The progression of the posts has been with the idea of taking you from the beginning to the end of the job seeking process. We began with brainstorming to develop the information necessary for a quality resume, and then we developed your resume. After that we touched on resources that were available locally to assist you with continued employment readiness, resume assistance and priority employment placement. The next three posts will cover the concept behind networking and different avenues you can use.

 

I am not sure how many of you know about LinkedIn and the benefits it offers not only to MilSpouses, but also to Veterans. For those that may be completely lost to the world of LinkedIn, it is the social media platform for workplace professionals. Using LinkedIn correctly will not only assist you in growing your professional network and meeting people who are in your chosen field, but it will also allow you to potentially network with hiring managers of employers before you move. LinkedIn allows you to build and grow your contacts, join various industry related groups, create a profile and a personal brand, and search for employment opportunities. Before we get into any more benefits of LinkedIn, let me say this…IT’S FREE! The basic services on LinkedIn don’t cost anything to you; however they do offer a premium service that allows for greater connections and training.  As many of you know, the Spouse Education Career Opportunities and LinkedIn’s Military and Veterans program have partnered to offer all Military spouses who are moving due to a PCS and military spouses within six months of separation a free one-year upgrade to LinkedIn premium. This service is already offered to service members who are separating.  This upgrade allows you:

  • Get advanced intelligence about how you compare to other applicants, including analysis of your education, experience, and skills.
  • Access free online training to develop new skills or refresh old ones, to eliminate any skills gaps between you and other applicants.
  • Message those you may not already be connected to, in order to build a professional network that will help you achieve your professional goals.
  • Access LinkedIn’s learning path for military spouses, focused on obtaining and succeeding in remote, flexible, or freelance work opportunities.

Build Your Profile

 

The first step in developing a successfully LinkedIn account is to build your profile. Like other social media platforms, you profile is your introduction to a potential employer. Unlike other platforms, this profile needs to remain STRICTLY professional. This includes your profile picture. Your profile picture should be a professional photo, preferable a head shot in business professional attire, with a neutral background. Building your profile in LinkedIn is done in sections, and like your resume, you want to ensure each section is perfect and polished. You can import your resume into many of the sections, but review to ensure everything transferred successfully. You have a section underneath your photo to write your personal branding statement. You can use the statement from your resume, or you can create something totally different. If you are in need of assistance in writing your brand, I suggest this article on the My SECO website https://myseco.militaryonesource.mil/portal/content/view/3849, and really using some of the exercises listed. LinkedIn now allows you to add your skills (try to have 5 or more that are directly related to your industry) and expertise that you can have people in your network endorse. Last but not least, be sure to include in your profile that you are a military spouse.

 

Growing Your Network

 

I think one of the best qualities about LinkedIn is the opportunity to network with people all over the world. This is a huge asset to military spouse because we tend to end up traveling all over the world. If you are an introvert or semi-introverted like I, this process of “networking” takes the fear out of speaking to people you don’t know. There are a couple of ways to go about growing your network. If you are currently employed, be sure to connect with your coworkers as well as supervisors. You can also add connections by importing contacts from your email accounts, and the search function. If you know a friend works for Amazon, or Microsoft, search that company and see if there are other folks there you may know. The more connections you make, the larger your secondary network will grow. We will talk about this more.

 

Following up is very important. Whether you attended a conference, met someone in the doctor’s office, commissary, exchange or at a spouse event, reach out to them on LinkedIn and work to develop a professional relationship. One of the many benefits of being able to upgrade to prime for free, is that you will have the opportunity to message people you may not be connected to. This comes in handy when you are looking at applying at a company where you maybe don’t have contacts and you have located someone from human resources on LinkedIn. You will now have the capability to message this person directly to begin the networking process. This brings us to the next area of connecting, blind connections. When you have found “that job” and you know that you are a PERFECT fit, but don’t know how to get your foot in the door, this is where those secondary connections come into play. First, look and see if you have any mutual connections. If you do, and you are comfortable, ask your connect for an introduction. This may seem a bit farfetched, believe me, I thought the same thing, but this is how business is evolving. If you don’t have a connection, send a clear, customized and detailed request for a connection. This not only shows initiative, but will also allow you to make your awarding winning elevator pitch right to one of the decision makers.

Like I said in the first post, looking for a job is a full time job; this is no different on LinkedIn. You want to continue to have an active presence as well as keeping your status updated. Weekly you want to search for new connections, reach out to contacts and participate in conversations in your groups. Use short post to share information, ideas, links and opinions with your connections.

 

Resources

Some great areas for networking and resource information are the millions of groups on LinkedIn. Joining a group such as a college alumni group or groups related to your career field are great ways to build your network and open the door to additional connections. Join the Department of Defense’s military spouse LinkedIn group, which will signal your status as a military spouse to recruiters seeking to hire from within the community.  LinkedIn Channels LinkedIn Today allows you to stay information about area of interest as well as participate in conversations to add your knowledge. Just make sure you proofread everything before hitting send J finally, like I said before, LinkedIn is a great place to look for employment, you can target your search by company, industry field, or by location. As a military spouse make sure you are joining the MSEP group and following their company page for highlighted jobs from MSEP partners. It should go without saying, if there is a partner that is of interest to you, be sure to follow that company page as well.

I will be the first to admit I was never on the LinkedIn bandwagon until I started working in Workforce Development. It was not until I began to see how often employers utilize this platform to “research” a potential candidate long before they are even interviewed, did I start to update and revamp my own profile. Since this time I have been able to stay abreast of so many new developments to workforce industry as well as making connections with other military spouse.

 

Until next time,

Empowered women, Empower women.

 

Keadra is a USN wife by way of Kalamazoo, Michigan who is currently stationed in Northeast Ohio with her husband who is a recruiter. Her background is in Law Enforcement; however, degrees in Sociology and Public Administration brought her to the world of Workforce Development. Keadra’s hobbies include fostering her budding business Kubed, LLC a training and consulting agency, and raising their daughter.

 

 

 

Careers and the MilSpouse: The Good, the Bad, and the Reality Part 2

Part 2 :  Develop a Working Resume

Welcome back! At this point, I hope you have had the opportunity to brainstorm and collaborate with family and friends about your previous work experience you have accumulated over the years and are ready to “put pen to paper” as my Mother would say.  Last week I attended a virtual symposium for Military Spouses that focused on career readiness, education and entrepreneurship, it was AMAZING!!! I was able to gather some great resources and tools that I plan to share with y’all. The symposium was put on by Military One Source and SECO; if you have never been to either of those websites, definitely check them out!

Ok, let’s get into writing your resume. I am sure you have been told your resume is your first “look” from an employer. The purpose of your resume is to draw enough interest from a potential employer to secure you an interview. That being said, there are a couple of key categories that you want your resume to have in order to tell a flowing story that will offer a better chance at you securing an interview. Before getting into the categories, I want to just touch on a few topics that are pretty basic, but may not be that common in knowledge. The first is Applicant Tracking Systems (ATS), which are being used more and more in the weeding out of resumes. It is very infrequent that your resume is being viewed first by the hiring manager, and not a computer program that looks for certain key words that match the position description. Additionally, some of these systems do not pick up on certain fonts, therefore it is best to use the sans serif fonts, and Calibri and Ariel. Once your resume has passed the ATS, you have more of a chance of having your resume being reviewed by the hiring manager or team. Finally, while it may be the dirty side of employment hiring, discrimination is real. Avoid any factors that can lead to discrimination; age, zip code, and employment that may date you and be irrelevant.

Now that we have covered those, let’s get into the categories which are; contact information, personal brand, knowledge highlights, applicable skills, work history and education.

Contact Information: This is pretty self-explanatory; you want to have a way for the employer to contact you. Include your name, phone number and email address. Ensure that your voicemail is clear and professional, as well as professional email, usually your first and last name work well. Additionally, include your city and state, but not the physical address of your home for security reasons. You will also want to include your LinkedIn handle if you have an account. LinkedIn is being used more and more by employers, so if you do not have an account, be sure to create one. The SECO website has some great tools on creating one!

 

Personal Brand: A branding statement is the foundation for marketing your unique set of skills. You may be familiar with an objective statement in a resume. The objective statement tells the employer “this is what I want” versus the branding statement which says, “Here is the value I offer.” Think of your branding statement as your 30 second elevator pitch to the employer. You can use your branding statement to summarize your resume in your cover letter, on various social media outlets (think LinkedIn), as well as answering the “Tell me about yourself question” in the interview. Your branding statement should include the following four elements

  1. Your Specialty       –        Who you are
  2. Your Service           –       What you do
  3. Your Audience       –        Who you do it for
  4. Your Best Characteristic –   What you’re known for

An example of a branding statement is: Highly competent Administrative professional with experience supporting senior level executives in the insurance and financial industries. Known for ability to be flexible and to respond to problems and issues quickly and adeptly. Professional manner at all times and relied upon for confidentiality and handling sensitive materials. Strengths include dependability, strong interpersonal skills and attentiveness to details.

I will attach some worksheets to this post to assist with writing your branding statement.

Knowledge Highlights: These are the major career accomplishments that you have gained in previous work areas.  Think of awards and accolades that you have received in the past and list them here in bullet format. You also can think of recommendations or statements from previous performance evaluations to include in this area. If you have any security clearances, organizational affiliations or specific certifications that are related to the position or employer, this is a good place to list them.

 

Applicable Skills: This area is often called ‘Area of Expertise’ or ‘Core Competencies’. These are going to be your hard and soft transferrable skills. You want to ensure that you are looking at the position description and using the same wording from the description to write your skills. A great tool that we used at my job was Tag Crowd (https://tagcrowd.com/). You can highlight, copy and paste the position description into the field on the website and the word cloud will populate the most important and used words in the description. You should aim for 6 to 9 skills, again, listed in bullet format, ensuring that the skills listed are reflective of the position.

 

Work History: Depending on if you are using a combination format or a chronological format, you will list your employment history, starting with the most recent and going back 10 years. You will want to include the employers name and location, your title and dates in which you were employed. You will want to include 3-4 bullets of position duties under the listed information. Try not to simply state what the job duties were, but what YOU brought to the position and something successful you completed while in that role. If you have limited work experience you may want to list major skills that you acquired while working and the successes and growth of those skills prior to listing your work history. I will include a template of both the chronological and combination format of resumes.

Education: Your education can go in two different sections based on, relevance to the position and the length of time since earning your degree/certification. You will want to list the following information for any degrees earned:

   Degree, Major (if relevant)       20XX

University                                       City, State

If you are still enrolled in the program you list it as such:

College/Training program attending, anticipate certificate/license and completion date.

Finally, if you have you do not hold any degrees, list any relevant on-the-job training or relevant experience in this section as well.

 

I know that this can seem like a lot of information, but if you did the brainstorming, all of this will essentially write itself. It may be easier to write your branding statement after you have written your resume, so your skills are fresh in your mind. I will include some documents that should offer assistance in writing and formatting your resume as well as a practice template for your branding statement. Next time we will discuss visiting your local American Career Center and the free services they can provide.

Until next time,

Empowered Women, empower Women

Attachments:

Branding

chronological template

Combo template

Keadra is a USN wife by way of Kalamazoo, Michigan who is currently stationed in Northeast Ohio with her husband who is a recruiter. Her background is in Law Enforcement; however, degrees in Sociology and Public Administration brought her to the world of Workforce Development. Keadra’s hobbies include fostering her budding business Kubed, LLC a training and consulting agency, and raising their daughter.

 

Military Medical Retirement: 3 Tips for how to help your spouse

 

If you have a spouse in the armed forces, you know that this job can take a toll on their body.  You hear it when they make that groaning sound every morning when they roll over and out of bed, and see it when they wash down handfuls of ibuprofen with an energy drink.

Every workday they will spend at least an hour doing PRT, or Physical Readiness Training. Top minds at the Department of the Army spent years designing this optimal physical strengthening regime that consists mostly of jumping up and down in a parking lot for an hour. Not exactly the kind of exercise that is gentle on the joints of the body.

Add ruck marches, field exercises, deployments, air jumps, and running- miles and miles of running- and suddenly your spouse calls to tell you that this time, it’s not just going to be three days of quarters, or a temporary profile.  This time, the doctors are recommending a Medical Evaluation Board, or MEB.  Now what? Well, don’t despair; with a little bit of organization and motivation, you can go with your spouse into the Medical Retirement process with confidence.

 

Tip # 1: Help a hubby out!

 

Once your spouse has been selected for the MEB, things will start to move very quickly. He will enter the Integrated Disability Evaluation System, or IDES.   He can expect his first phone call within the first week after being given a P3 profile. He will be assigned a PEBLO (Physical Evaluation Board Liaison Officer) who will be his main point of contact throughout the entire process.  The VA will also assign him a MSC (Military Service Coordinator). These two people will be your lifeline if you have any questions along the way.  If possible, you should attend these meetings with your spouse so you can be well informed as to what to expect over the coming months.

First, help by making the initial few meetings amicable.  PEBLOs and MSCs will see many, many clients during the day, and can get in a rut. You don’t want them to see you, and your spouse as just another face in the revolving door of clients they are supposed to support.  If you take the time to ask them a few questions about themselves at the top of the meeting, and show you are interested in them as a person, you can begin to build a rapport, and set yourself apart as someone that they are invested in helping.

Second, take notes.  A lot of information will get thrown at your spouse in a short amount of time.  If you are writing down what is being said, your spouse is free to engage with the person who can really help get this process off to a good start.

Third, ask questions; this one can be tricky because service members (and your PEBLO and MSC will undoubtedly be retired NCO’s) have a culture that frowns on civilians butting in, but it can also be beneficial if you seem knowledgeable and engaged in the process.  The best thing is to go over everything ahead of time with your spouse, so you go in knowing what they know, and you don’t end up repeating questions that have already been answered.

You are his battle buddy in this fight.  Help him keep track of appointments, sort medical paperwork, and most importantly, be there to listen. This will help him feel confident and prepared, knowing that he has thought of everything, and has a solid game plan.

 

Tip # 2: Encourage him to stop being “ARMY STRONG”

 

If he is hurting, he needs to say that he is hurting. This is the opposite of what he has done his entire career, and it will take him some time to come around to.  Remember that his identity has been built around a mentality of “drink water, drive on” and changing that will be hard.  But he needs to be honest about his pain. He needs to make appointments if something hurts or even just feels wrong. The way the military sees it, if it’s not documented, it didn’t happen.

He has probably gotten used to a level of daily pain civilians would not dream of tolerating.  The big shift in thinking he needs to make is, soon he will be a civilian too. If there is something wrong with him that makes it so that he cannot function at the level that is comfortable for him, that is a disability.  It is disabling him from living a normal life, no matter how big or small.

 

Tip # 3: Learn to say “No”

 

The military is a mission-based organization.  That means that there is always something that your service member could be doing to further the mission.  It might be moving vehicles at the motorpool, qualifying at the range, guard duty, staff duty. Whatever it is, it is less important than your spouse’s new mission; to get out of the military with fair and adequate compensation for his injuries. His unit will try to use him as long as they can; however they can. They will tell him he is indispensable at his job.  They might even believe it.  The truth is, commanders, first sergeants and first line leaders say this about everyone, but as soon as they’re gone, they will just fill the spot with the next guy.

No one is going to check his last NCOER when he goes to look for employment in the civilian world. Your spouse is separating from the military. He needs to make it a priority to make his medical appointments, the appointments with his PEBLO, and his VA coordinator appointments. Focusing on ones self is hard for service members that are used to sacrifice, but there are no second chances when it comes to Medically Retiring from the military.

The military was in every part of his life, every day, for the last many years.  Now focus must shift, to ensure that you are prepared to go into the future with a solid plan, and some security for your family.  As a military spouse it is important to not minimize your role in this process, because there is so much that you can do to help. You just have to be willing to do what needs to be done.  And as mil-spouses, that is what we do best.

 

****Welcome to our newest blog teammate Kari Elkins!!!!!

Author: Kari Elkins

www.itdoesntfallfar.com

elkins.kn@zoho.com

instagram@itdoesntfallfar

http://www.facebook.com/itdoesntfallfar/

The Case for a Merged Club

A spouses’ club is a base staple. Military wives, and more recently husbands, have been gathering together for decades for social time, support and charitable work. Spouses’ clubs started off being segregated into Enlisted Spouses and Officers’ Spouses. However in recent years many bases are starting to see these two clubs merge.

I am currently stationed at Shaw AFB. When we first arrived, the two spouse clubs were separated. However, due to dwindling numbers for the Enlisted Spouses’ Club, the Officers’ Spouses’ Club was approached with the idea to merge. I was excited to be a part of that conversation as a new board member.

We ended up agreeing to merge the two clubs into one Shaw Spouses’ Club. You would not believe the work involved in merging two clubs, but it has been so worth it! We have had an amazing year and fantastic participation from spouses of all ranks.

I would like to present the case for a merged club.

1) Increased participation overall.

As I mentioned, here at Shaw we have seen an increased number in membership after our merge. That is a bit of a give-in because you are open to a larger group of individuals. But I have heard many times from spouses in favor of the merge that they joined in part because there was just one combined club instead of two separate clubs. Spouses nowadays like to see and are more likely to join a combined club.

2) No awkward moments when you meet a new spouse

At a previous base and prior to our merge at Shaw, whenever I would meet a new spouse I was always hesitant to invite them to the spouses’ club unless I knew if they were a fellow officer’s spouse. Not being involved with the Enlisted Spouses’ Club firsthand, I couldn’t confidently recommend joining because I did not know what the group dynamic was and I did not know about their social events or charitable work. Now that we have a merged club, anytime I see someone post on Facebook that they are new or lonely, I immediately recommend joining our club. (It has become a bit of a laughable moment among my friends here.) It no longer matters what rank our spouses are. We have a place for all spouses in one combined club.

3) We can work together on one goal

Most, if not all, spouse clubs have some aspect of charitable work. That could be giving away money to local and base organizations in need or it could be a scholarship program. At Shaw, prior to the merge, both the Enlisted Spouses’ Club and the Officers’ Spouses’ Club had a scholarship program. However now that we have merged we can combine our efforts and make a larger impact in the local community and grow our scholarship program. We can work together on fundraisers like our annual Auction to raise even more money to donate! The last year before the merge, the Shaw Officers’ Spouses’ Club was able to give out $7,500 in scholarships across seven deserving military dependents and spouses. The first year after the merge we increased that amount to over $10,000! A large part of that amount came from our annual Auction; that event came together with the efforts of so many of our members. I am looking forward to this coming year to see how much more we can increase the scholarship award amount!

4) Mentorship

As with any group of mixed ages, mentorship in some capacity is bound to happen. It can be overt or subtle, but it is so beneficial. We have been talking about this lately as we transition from our 2017-18 Board to the 2018-19 Board. We have a lot of older spouses in the club, but they are nearing retirement. Having an influx of younger spouses, Junior Enlisted and Company Grade Officers, would be very beneficial. I believe that younger spouses can offer a fresh look at how spouses’ clubs function. They can bring some great ideas for new socials and fundraisers. They have the energy and maybe the extra time to volunteer in the community and on base. However, the older spouses have a lot of knowledge from years of PCSing, raising children, working and living. I believe that sharing our knowledge with each other can only make a spouses’ club, and the military experience, better!

5) As spouses, we don’t wear rank so why would it matter?

I’m sure you’ve heard stories about spouses who “wear their husband’s rank”. It sounds so old-school to me. I am extremely proud of my husband who enlisted almost eight years ago and then was accepted to Officer Training School and is now a Captain. But at no point did I feel like my husband’s rank at all affected me and who I could spend time with. Of course you may click better with people in a similar point in life (and thus of similar ranks), but I’m friends with people from all walks of life and with spouses’ of all ranks. Being in a combined club shows that rank does not matter at all! We can all attend socials together, craft together, drink wine together or do a 5k together. That’s all that matters.

 

Kristen Thoennes

Shaw Spouses’ Club

www.shawspousesclub.com

www.facebook.com/shawsc

President.shawsc@gmail.com

PCSing Checklist

12

It can be intimidating when you find out you’re being stationed somewhere new. Even more so, for those of us who have kids. Because of this, I decided to create a checklist of all the things to do when arriving at a new duty station.

 

  1. Housing. Are you planning to live on post or off? If you’re planning to live on, call the housing office immediately when you get orders. Some places will let you sit on the waiting list before you actually arrive. If living off post, decide if you want to rent or buy. If you need help deciding, see my other post on the pros and cons of buying. If you are planning to buy, it’s best to set up your loan prequalificaton and paper work before you leave your current location. This way all of your documents can already be in and you don’t have to worry about it as much in transit. Also, contact a realtor and let them know you’re coming so they can start getting listings together.
  2. Transportation. You won’t be able to make any other plans until you set up your transportation. Are you going to drive? Are you OCONUS and require shipping a vehicle? Do you need a flight? If you are shipping a car make sure you don’t have any recalls on it immediately. Also, consider how you plan to transport your pets and what the out of pocket expense will be to you, if any.
  3. Movers! In some areas, the moving companies need as much notice as possible. We had a friend wait until the last minute and we ended up having to meet his movers for him after he had already reported to the next post.
  4. Finance. Visit finance and make sure you understand how your lodging assistance is processed. (TLA or TLE for Army) Do you need a government travel card? Do you know the rules of how to use it?
  5. Kids. If you have young kids call the Childcare Centers ASAP. If there is a waitlist, many places will let you go ahead and get on it before arriving.
  6. Job. If you’re a working spouse, look into the job market in the area. Update your LinkedIn to that location and make it searchable. This way the jobs may find you before you even apply.
  7. Network with other wives! Get on the Facebook pages for the area and start asking questions. Ask about good areas to live. What’s fun to do? School? In general, wives love to help other wives.

 

Comment on the Post with your Pro-Tips!

If you need help getting prequalified for a home loan, I can help! Just contact me on here or through my work website. https://www.thefederalsavingsbank.com/bankers/christina-baker

Minimalism with Kids

pexels-photo-256468.jpeg

Having a second kid has really highlighted the fact that I have too much kid stuff (and stuff in general). I find myself constantly picking up a rotation of 700 Shopkins off my floor so that I don’t step on one and die. I needed a change and decided to jump on the minimalist home bandwagon. Now, I would love to go all in and turn my house into some sparse super clean dream home but that’s not realistic with a toddler so I had to tweak the plan and compromise in some areas.

 

First, I decided to tackle the kids clothes. I seriously had 8 tubs of stores baby clothes from Aubrey’s last 3 years which is insane, I know. I had my husband get out all 8 and dumped them all in the living room so I would be forced to do it all at once. Then I went through it one by one and if it was from Walmart or some other replaceable store I put it in the donate bag. Then I went through what was left and asked myself if I loved it (Marie Kondo style). If I didn’t, it also went for donation. I gave myself 1 tub and had to relegate the rest to fit into it. It was difficult to take the “but she wore this when” emotions out of it but it helped to have my husband there to remind me that’s why we took pictures. The feeling after getting everything down to 1 tub was pure joy and relief and it encouraged me to keep going.

 

baby-teddy-bear-cute-39369.jpeg

Second, the toys. My biggest problem with the toys was the mindset that I paid for these and maybe I will have more kids blah blah blah. I justified this by telling myself that my next kid will want his own toys and it sucks to get nothing but hand me downs. I used the same principle with the toys as with the clothes. If it’s cheap and replaceable it goes unless she currently plays with it a lot. Missing parts? Broken? Been in the bottom of the toy box forever? Gone! I also relegated myself to the toy box. What’s left has to fit. I can’t expect her to clean up her stuff if there is too much to fit in the toy box.

 

These two steps have really helped me pair down my clutter. This means I have less to clean up and more time to play. Don’t get me wrong, it is a constant battle because we are constantly buying new toys and have to remind ourselves that if something comes in, something else must go out. It is, however, worth it to to feel like you are controlling the stuff and it’s not controlling you. My home is officially a much happier place and I wont be hauling all of the junk around as we PCS.

Using Your VA Loan

 

z

The VA loan is an awesome tool available to military members. But, buying a home is a scary and confusing process for a lot of us.  What follows  is a quick rundown what the VA loan is and how you can use it.

Lifetime Access

You can use it more than once! Although, you do get the best deal the first time you use it.

0% Down

Traditional loans typically require a buyer to provide at least 3 to 5 percent of the homes
price as a down payment. For many first-time home buyers, supplying this amount of money upfront may not be feasible. The VA Loan does not require a down payment. Another big plus is that there is no mortgage insurance required.
Refinancing
VA Allows up to 100% cash-out refinancing for currently owned homes.
VA Streamline Refinance

Veterans with current VA mortgage can refinance to a lower rate without appraisal or employment verification.
First Time Buyers
The best financing available for first-time home buyers.

pexels-photo-259600.jpeg

Powered by WordPress & Theme by Anders Norén