Blind and deaf 12 year old chihuahua down into a deep depression, will take her final walk of life

So, you've served our country and want to buy a home. Department of Veterans Affairs home loans, known as VA loans (VAHL) for short, were created to help veterans and their families achieve the dream of homeownership. The program has benefitted more than 18 million veterans and dependents. VAHL, which are available to certain veterans, active duty military personnel, and reservists, offer many advantages, although there are also a few drawbacks.

The Advantages

One of the major benefits of VAHL is that they don't require a down payment. Furthermore, there are limitations on closing costs, origination fees, and appraisal fees. Another big advantage of VAHL is that there is no private mortgage insurance. The VA also prohibits lenders from requiring private mortgage insurance since they put a guarantee on the loan. Not having to pay for private mortgage insurance can save borrowers tens of thousands of dollars. Generally speaking, VAHL are a more affordable alternative to conventional home loans.

Applying for a VAHL is pretty much like applying for any conventional home loan, the only difference being that you also have to obtain a certificate of eligibility from the VA. The VAHL process takes two to six weeks, which is about the same length of time that the conventional loan process takes. Just about any lender that offers conventional loans or FHA loans also handles VA loans, so it's not difficult to find a lender to assist you.

The Disadvantages

Despite the numerous advantages that VAHL offer, there are also some drawbacks. One disadvantage of VA loans is that the maximum guaranteed loan amount is $240,000. While this might buy you a decent home in most parts of the country, in high-priced markets in California, it may not be sufficient. What's more, not all vets are entitled to a $240,000 loan. The actual loan amount varies depending on the borrower's income, assets, credit history, and debt.

In some regards, VA loans aren't all that different from conventional mortgages. For example, VAHL aren't any easier to qualify for than conventional home loans. If you have a low income or bad credit, don't count on getting approved for a VAHL. Additionally, it's a common misconception that VAHL's have better interest rates than conventional home loans. The reality is that interest rates of VAHL's are in line with those of conventional home loans. The primary advantage of VAHL's is the fact that you don't have to make a down payment.

There's also a one-time funding fee charged for VAHL's. Congress has levied this fee on VA loans since 1982. The fee ranges from 1 1/4 percent to 3 percent, depending on various factors, such as the veteran's service and whether it's a first or subsequent loan. However, this fee can be lowered if you make a down payment of at least 5 percent. For VA refinance loans, the fee can be anywhere between from a 1/2 percent to 3 percent. Many buyers finance the fee along with their home, but doing so can be quite expensive in the long run, amounting to tens of thousands of dollars over the entire term of the loan.

Ultimately, the choice between a VAHL and a conventional loan will depend on your individual circumstances. For most veterans and service members, VAHL's are a great deal, but in some cases, going with a conventional home loan or an FHA loan may be a better choice.

The VA prohibits lenders from requiring private mortgage insurance since they put a guarantee on the loan. Not having to pay for private mortgage insurance can save borrowers tens of thousands of dollars. Generally speaking, VA home loans are a more affordable alternative to conventional home loans. In some regards, VA home loans aren't all that different from conventional mortgages. For example, VA home loans aren't any easier to qualify for than conventional home loans. If you have a low income or bad credit, don't count on getting approved for a VA home loan.

Please take another look at sweet NELLA! She is about 12 years old and she may be kind of deaf and has some trouble seeing. She had no tag or chip and she needs help now. Please SHARE for her life, she's SO precious and a FOSTER or ADOPTER would save her.

#A5237925 My name is NELLA and I'm an approximately 12 year old female Chihuahua. I am already spayed. I have been at the Carson Animal Care Center since 11/18. I will be available on 11/22. You can visit me at my temporary home at C403.

🔹 Chihuahua
🔹 AGE:12 years
🔹 Female (S)
🔹 ARRIVED:11/18
🔹 AVAILABLE ON: 11/22

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Carson Shelter at 310-523-9566
216 W Victoria St. Gardena, CA 90248
Ask for information about animal #A5237925


STATUS : - read comment for update from crossposter
So, you've decided to take the plunge into home ownership. Now comes navigating the world of home loans to find the right mortgage. If you're a Veteran of the U.S. military or an active duty service member you may qualify for a VA Home Loan. VA loans are exclusively available to current and former members of the U.S. military and offer many benefits over conventional mortgages.

Read on to learn more about these low-cost mortgages and how to obtain one.

Step 1: Verify Your Eligibility

In order to obtain a VA home loan you must first meet the eligibility requirements, which are dependent on your military service. You may be eligible if you:

1. Served for 90 consecutive days during wartime, OR
2. Served for 181 consecutive days during peacetime, OR
3. Served for more than 6 years in the National Guard or Reserves, OR
4. Are the surviving spouse of a service member who died in the line of duty or as a result of a service-related disability.

If you meet any of the above criteria, you can start gathering the documentation needed to apply.

Step 2: Gather 4 Critical Pieces of Documentation

Several pieces of information are needed to verify your eligibility as well as your ability to repay it. These include:

1. Certificate of Eligibility (CEO). The COE is your proof to the lending institution that you meet the minimum qualifications for a VA loan. You can obtain this form through the Department of Veteran Affairs, online at the VA's e-Benefits portal, from your VA-approved lender or by mailing Form 28-1880 to the VA.

2. Credit Report. The credit report will provide the lender with information about your current financial state, such as your debts and debt repayment history. This information helps determine how much you can borrow and still be able to repay. The VA does not set a minimum credit score. Individual lenders do set a minimum credit score, but VA lending requirements are typically more relaxed than conventional requirements, which is one of the main advantages of this type of mortgage.

3. Proof of Income. You will need to provide proof of income in order to obtain a mortgage. Most lenders require the last two months of pay stubs and the last two years of tax returns or W2s to verify income. If you are applying jointly with your spouse, his or her income should be included.

4. DD-214 is the form you'll need to use to apply for your COE. This form details the conditions of your discharge and verifies that you qualify for benefits. DD-214s are provided upon discharge but new ones can be obtained from The National Archives.

Your VA lender can help you obtain these pieces of documentation if you can't do it yourself.

Step 3: Choose A VA Loan Lender

You'll need to find a FDIC-insured lender to write your loan. The FDIC backing ensures that the lending institution is following safe and sound operating practices, which reduces your risk.

Not all lenders work with VA loans and others are simply lead farms and don't manage the loans themselves, so you will need to do some research. Even among VA lenders you'll find different terms. Shop around and find the best deal for your situation. Ideally, you will want to select a lender who is FDIC insured, is a bank and focuses almost exclusively on VA loans or VA loan refinancing.

That's it! 3 simple steps and you can be on your way to purchasing a house with one of the best mortgage programs available. Go ahead, you've earned it!

VA Loan Mortgages is an FDIC insured lender that works exclusively with Veterans and active duty service men and women. The VA approved lender offers VA loan finance, VA loan refinance, IRRRL and streamline refinance options.

5 Responses to "Blind and deaf 12 year old chihuahua down into a deep depression, will take her final walk of life"

  1. Is she still available I live in Victorville California

    ReplyDelete
  2. Does not help when you have NO LOCATION! Were is she at? I am in Northern CA. I will take her.

    ReplyDelete
  3. She is at the Carson Shelter in Gardina CA.

    ReplyDelete
  4. This dog is still available from what I can see. Please call shelter if interested.

    ReplyDelete

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