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VA Loan / Veteran Mortgage News
SPONSOR:
Pioneer Military Loans offers responsible military lending solutions that can help
service members avoid or break the debt cycle. Pioneer serves active-duty and career-retired military service members,
as well as Department of Defense employees.
NOVEMBER 2007
Best Holiday Wishes!
Holiday traditions are best appreciated when we share them with others. The joy of giving during this season includes relaxing with friends and family members.
Having people you care about in your home is a great way to celebrate these special times. If you know someone who wants the contentment which comes with homeownership, suggest they contact us soon.
We'll work with them every step of the way to insure they'll enjoy many holidays in their new home. Having expert assistance when purchasing a house will let them make that move with confidence.
VA Home Loans Guaranteed for 2007 Hits 133,300
According to the Department of Veterans Affairs Annual Performance and Accountability Report for Fiscal Year 2007,
the VA guaranteed 133,300 loans for veterans in attaining home ownership or refinancing their loans.
So where do active duty and veteran military purchase or refinance their homes? They go to www.valoans.com.
VALoans.com is one of a select group of lenders with "VA Automatic Status" from the Department of Veterans Affairs.
This privilege is granted at the discretion of the VA, for companies with the most qualified, experienced underwriters
who have consistently performed exceptionally under stringent quality control reviews. With this, we can offer VA mortgage
banking services for veterans and active duty military personnel nationwide and can close mortgage loans in our own name
as mortgage bankers. We manage loan processing, documentation, underwriting, appraisals and funding activities in-house
allowing for faster, easier mortgage transactions, saving customers weeks of time in getting their loans.
Certificate of Eligibility and DD-214
We assist our customers in obtaining the necessary VA Home mortgage related forms including
Form 26-1880
(Request For Certificate of Eligibility) and
Form SF 180
(Request Pertaining to Military Records: DD-214).
At VALoans.com, we are VA mortgage experts, at your service.
The GI Bill Can Change Your Future.
We have partnered with the following schools and service providers. Visit their content centers and
fill out an instant inquiry to receive more information!
DeVry University
DeVry University offers flexible scheduling and the convenience to study at any of 80+ locations, online or a combination of both. Earn a respected associate degree, bachelor’s degree or master’s degree from an accredited university.
Westwood College Online
Westwood College’s online program offers you the flexibility you need to earn your degree when and where it’s most convenient. Degree programs include business, criminal justice, design and technology.
Colorado Technical University Online
At Colorado Tech Online, you can earn a career-relevant degree in just 15 months. Every CTU Online degree includes multiple Professional Certificates without additional courses or cost. Learn more today.
Capella University
As an accredited university with online degree programs in five schools, Capella University is committed to helping you accomplish your goals through a high-caliber educational experience.
Strayer University Online
Strayer University Online offers degree programs designed to fit your busy schedule. Attend real-time courses via the Internet, or complete coursework at times most convenient to you.
Walden University
Balance your personal and professional commitments while earning a respected Ph.D., master’s degree, or bachelor’s degree online at Walden University. Programs offered in management, education, psychology and health and human services.
American Military University
American Military University’s online programs can prepare you to succeed in a civilian or military career. Choose from more than 50 Associate, Bachelor’s and Master’s degree programs.
Kaplan University
Advance your career and get the distinct competitive advantage you need with an online degree from Kaplan University. And do it without missing a day of work.
University of Phoenix
As a regionally accredited university, and a long-time member of Service members Opportunity Colleges (SOC), University of Phoenix is approved by all branches of the military for tuition assistance and is approved for veterans training.
South University
South University enjoys a long-standing tradition of excellence in education and personalized student attention. Enjoy the convenience of earning your bachelor’s degree entirely online.
AIU Online
Earn your Associate’s, Bachelor's completion—even an MBA—from the comfort of home at AIU Online. Choose from career-track programs such as Visual Communication, Information Technology and more.
The Art Institute of Pittsburgh -- Online Division
Whether you’re just starting out or are a seasoned professional, you can jump-start your career with an associate's or bachelor's degree from The Art Institute of Pittsburgh -- Online Division.
Everest University Online
Expand your career horizons with an online degree from Everest University Online. Balance work and family while you study for your Associate’s, Bachelor’s, or Master’s degree.
Virginia College Online
Earn your associate's, bachelor’s or master’s degree from Virginia College Online. Our extensive programs are offered 100% online, so you can launch the career of your choice from the comfort of your own home.
Grand Canyon University
Grand Canyon University is currently offering programs through our Online Campus in our College of Education, Ken Blanchard College of Business, College of Nursing, and College of Humanities and Social Sciences.
Grantham University
Looking to advance your career or enhance your professional skills? Earn your degree online at Grantham University. Programs include Business Administration, Criminal Justice, Computer Science and more.
Jones International University
Earn a high quality degree in Business, IT, Education, or Communications. Jones International University® offers self-paced bachelor’s and master’s degrees tailored to your needs.
Ellis College
Take your career to the next level. Ellis College offers customized, flexible online degree programs for busy working professionals like you.
Baker College Online
Pay less than half the tuition at Baker College Online, a fully-accredited and highly-respected online school. Click to learn more about the over 30 programs.
General Veteran Population, States of Residence, Age of Veterans and Female Veterans
Currently there are about 23.5 million living U.S. veterans, 7 percent of whom are women. The percentage of women
veterans is expected to increase over time given the increased role of women in the Armed Forces. There are an
estimated 37 million dependents (spouses and dependent children) of living veterans and survivors of
deceased veterans in the U.S.
Together, veterans, dependents, and survivors make up about 20 percent of America's population.
Veterans in just three states - California, Florida, and Texas - comprised over 24 percent of the veterans
living in the United States and Puerto Rico as of September 2007. The three next largest states in terms of
veteran population are Pennsylvania, New York and Ohio. Together, these six states account for 37 percent
of the total veteran population.
At the other end of the scale, the three least populous states in terms of veteran population - Wyoming, North
Dakota, and Vermont - plus the District of Columbia collectively accounted for less than 1 percent of the total.
As of September 2007, the median age of all living veterans was 60 years. Men's median age was 61: women's 47.
The number of veterans 85 years of age and older totaled nearly 1,146,000, compared to 164,000 in 1990.
Between 2007 and 2014, veterans 85 and older enrolled in VA's health care system are expected to increase from
481,000 to 760,000, or 58 percent.
Source: Department of Veterans Affairs FY 2007 Performance and Accountability Report
Ready to Buy
Some Americans have put off making an important home purchase, after hearing that lenders are tightening their
standards. Yet they may be overreacting to today's market conditions. You don't need perfect credit now to obtain
attractive home financing. Most Americans find their credit history allows them to get a low-rate mortgage.
Unfortunately, many aren't aware that lenders are eager to work with them. We'll start your home purchase process by
going over your credit report with you, and suggesting ways to improve it. Together we also can review your
income and expenses, and estimate how they'll change in the future. Then you'll know how much you can afford to
spend on housing.
It's crucial to be certain your monthly payments are affordable over time. Buying a house is a long-term commitment,
and you need to insure you'll be able to handle the payments as long as you live there.
Finding Deals
Buyers now are discovering good deals on houses in many areas. Additionally, they're enjoying the benefits of continued low mortgage rates.
Comparing how different mortgages would work in your situation allows you to make an informed choice. We'll review your options with you, so you can decide which loan will work best in your circumstances.
We'll also answer your questions about the home buying process, and let you know how much you can afford to spend on a house. Talk with us soon if buying a home is a goal for you.
Stay Safe at Home
Older Americans usually want to live in their own homes as long as possible. Fortunately, recent advances are making
this a reality. Motion sensors and video cameras in homes are letting adult children keep tabs on their aging
parents. And parents enjoy peace of mind by wearing electronic pendants and bracelets which can summon help
wherever they are.
Many communities have programs which provide seniors transportation or housekeeping services. Contact local
organizations to find out which ones can benefit your loved ones. More advances are coming, since the need is
growing as baby boomers start retiring. Shortages of caregivers in the future will mean we'll use automation
to help older Americans perform household tasks.
For instance, one system checks to make sure the stove is off and lights are out in the evening. Others
track motion around the house and alert family members if there's a change in a person's daily routine.
Renovating houses to make them safer for older residents are important steps to take. Improvements range
from adding grab bars in bathrooms and installing more lighting to having a master bedroom on the main floor.
Contact us if you need funds to make your home safer and easier to live in. You don't need to put off making
important improvements which will enhance your life every day.
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