When bond prices rise, and yields fall along with interest rates, a recession is sure to follow. When Americans celebrated the 2009 New Year, mortgage rates were at a historic low – the lowest they’ve been since 1971. And, many VA loan borrowers wonder whether now is the time to take advantage of low rates, […]

 
It’s common for VA-approved lenders to use VA underwriting software to “read” income and credit numbers in a VA loan application to determine whether a borrower qualifies.  In some circumstances a closer look from a manual underwriter (someone with special certification for determining VA loan qualification) is needed. 
 
When a VA loan applicant has special […]

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In the present […]

 
VA Loans require a Certificate of Eligibility (COE) from the borrower.  The process to obtain a COE is not difficult and should never deter someone from forging ahead with the VA loan process. Most COEs can be obtained through a VA-approved lender in a matter of minutes using Automated Certificates of Eligibility, otherwise known as […]

One of the most common misconceptions regarding the VA Home Loan Guaranty Program is that it’s a one-time deal.  Many people believe that once they get a VA loan, they can never get one again.  On the contrary, as long as a veteran has entitlement, the benefit can be used again and again.  Entitlement is […]

Many VA borrowers wonder whether they can get more than one loan with the VA Loan Guaranty Program.  In fact, you can use VA loans as many times as you want as long as you have entitlement.  Entitlement is how much the VA will guarantee for each loan under the Program. And, entitlement is available […]

The recession throughout 2008 has affected unemployment.  In 2009, families are struggling to make ends meet.  Shrinking home values and rising mortgage delinquencies are causing the U.S. housing market to be in crisis — a situation that intensified in late 2007 and climaxed in 2008.  A surplus of bank-owned properties only added fuel to the […]

VA loans have proven to be resilient since the start of the recession in 2008. When mortgages issued under other loan programs came to a virtual halt, VA loans seemed to continue progressing at a steady pace.  Factors leading up to the 2008 mortgage crisis had little effect on the VA loan guaranty program.   
 
Just […]

While interviewing with Matt Lauer on February 2, 2009, President Barack Obama said U.S. Troops would start to be withdrawn from Iraq within a year.  The President said that the United States can now start giving more responsibility to the Iraqis, and that a more clearly defined withdrawal plan would follow in the coming days.  […]

A non-profit organization providing free mental health services to US military personnel and their families affected by the current conflicts that in Iraq and Afghanistan.
The Mission:
Give an Hour is a non-profit organization that is putting an amazing effort to develop national networks of volunteers who are qualified professionals that are able to treat both acute […]