Dumped dog left tied to lamppost in the cold

Protecting our nation is one of the most heroic things an American can do. And it's not an easy task. To be in the military means you have to sacrifice a lot for the good of the country, which is why servicemen and servicewomen, as well as veterans, deserve to be compensated for their bravery and courageous efforts to serve our nation.

To give back to these brave men and women, the US government offers a special VA loan, which is a great opportunity to afford the American Dream and be a homeowner. VA home loans are exclusive to those who bravely served our country and are available to those who have served our country and offer a number of advantages. Here are some of those benefits.

1. No Down Payment

When you purchase a new home, you are required to come up with a certain amount of money for the down payment. This can range depending on the total price of the home and can often be an expense that is quite costly. Many families have to save up for years to afford a new home's down payment. But with a VA home loan, that down payment is waived in the majority of cases. This means a veteran can become a homeowner with no money down, allowing them to have a piece of the American Dream a lot easier. It's the only loan available today with no down payment!

2. Lower Interest Rates

Another benefit of this loan is that the borrower usually gets a lower interest rate than what's ordinarily available with other types of loans. This translates to lower monthly payments and the borrower will be able to pay down the amount of their loan a lot faster than others with a higher interest rate.

3. No Private Mortgage Insurance (PMI)

As a result of the housing recession that happened some years ago, banks are now insuring themselves in case anything like that happens again with the addition of private mortgage insurance, which is an added fee to loans that don't have the needed 20% down payment of the appraised value of the home. This insurance protects the lender if you ever default on your monthly payments. Since military men and women don't need a down payment, they are not required to have PMI and this results in lower monthly mortgage payments.

4. Added Features

In addition to the aforementioned advantages, a VA home mortgage also offers benefits like: the right to prepay the loan without any penalties; the mortgage can be taken over by the buyer when the home is sale; and special counseling and help to veteran borrowers who are having financial difficulty.

There are some VA home loan requirements that a veteran will have to meet before they are eligible for the loan. Contact American Hero Mortgage (serving the Dade, Broward and West Palm Beach areas) to find out more information and to see if you qualify for the loan.

Morry Newman, a expert finance adviser, is professionally qualified and experienced for over 19 years. He specializes in VA home loans, loans for nurse, mortgages for police and firefighter mortgages in Florida. You have many choices when selecting a mortgage company. We try to make your choice simple by offering value, great service and integrity.

An appeal has begun to find who left a frightened dog tied to a lamppost in the cold and rain in Birmingham.

The RSPCA is appealing to find out who dumped the labrador-cross, who was found by a resident on Esher Road on Friday evening (16 November) at around 10.20pm.

The dog was given a bowl of water but residents say he became increasingly frightened. The RSPCA were then alerted.

“This poor dog was tied with a choke chain and was absolutely terrified. He was really nervous but I was able to safely coax him into a kennel using a grasping pole.

I then took him to Newbrook Animal Hospital for a check up. Once he arrived into our care he was a different character, he was so sweet and such a gent. He was obviously just terrified when he was left tied to a lampost.

Other than being scared and hungry he seemed in reasonable health and is doing well after eating a few good meals.

It is despicable that someone could just dump their pet and leave it on a freezing night in such a vulnerable state.

I am so glad the local residents rallied around to help and am now appealing for information to find out who callously abandoned him. I am hoping someone will recognise him.”

– ANIMAL COLLECTION OFFICER VIC HURR
Anyone with information about who dumped the dog is being asked to call the RSPCA appeals line on 0300 123 8018.

STATUS : - read comment for update from crossposter
For veterans and active duty service members, the VA guaranteed home loan program offers many advantages. These loans have been designed to put home ownership within the range of all those individuals who are now serving their country or have served in the past. Although some features of VA guaranteed loans are different than conventional loans, such as not requiring a down payment, other features, such as credit considerations are similar to standard mortgage loans.

Credit Considerations

Just like traditional home loans, VA guaranteed loans require applicants to provide information about their credit histories. VA mortgages do not require a minimum credit score, nor is a maximum debt ratio to be considered. Instead, the VA encourages lenders to consider the overall lending profile to make decisions about loans. Although the VA states no maximum amount for a loan, the amount covered under the guarantee is limited. In most parts of the country, loan amounts up to $417,000 do not require a down payment.

What Is Your Credit Score?

Generally, a credit score above 620 is favorable to you. The credit score that consumers see is not the same one that lenders have available. Under lending criteria, you may have a different score, which may not be as favorable to your loan application. Lenders also must receive scores from two or three different credit agencies, and their choice of score may put you below the minimum 620 number. If you have questions about your credit score, asking for pre-qualification or pre-approval will help you to determine your likelihood of success in securing a VA guaranteed loan.

Do You Have Any Old Collections or Judgments on Your Record?

The VA Lenders Handbook recognizes that old collections or judgments on an applicant's record can indicate that the individual may be a poor risk for a loan. However, the size of the unpaid amount may have a bearing on whether the lender will approve a loan. Generally, lenders have a cap on these debts, and if the amount is above their limit, the loan will be denied. If any of the unpaid debt is to the federal government, the loan will be denied. Setting up a payment plan to manage the debt can often satisfy their requirements for approval of a loan.

Do You Have A Bankruptcy or Foreclosure on Your Record?

A bankruptcy or foreclosure will cause the lender to impose a waiting period after the event before considering your application for a home loan. After a foreclosure or short sale, you will be required to wait 24 to 36 months after the completion of the proceeding. For a Chapter 7 bankruptcy, the waiting period is 24 to 36 months. For a Chapter 11 bankruptcy, the waiting period is 12 to 36 months. The strength of your overall credit will be considered in the amount of time you are required to wait to get a loan.

Is Your Income Stable?

The lender will require you to prove that your current income is stable and sufficient to cover the loan payments on a regular basis. They will calculate your ability to pay the mortgage amount plus ordinary living expenses. Some types of income will not be considered in regard to home loans for veterans, such as part-time work you have only done for a short period or alimony payments.

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