Honor Role: Interfaith Services of San Diego

“They didn’t make bad choices or do anything wrong – they had tough lives. And we help them.”

These are wise words from Greg Anglea. Greg is the Executive Director of Interfaith Services of San Diego, and he works for the Veterans Assistance department. His…

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Honor Role: 8 Bit Salute

Video games are a modern staple in our daily society. They serve as forms of entertainment and stress relief. Living out fantasy scenarios that take your mind elsewhere, whether racing cars or killing bad guys.

The organization Operation Supply Drop knows all too well not only the power of video games, but also the importance of those…

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Honor Role: Brides Across America

Here comes the bride. She’s worried about her soon-to-be groom’s deployment. With money tight and stress building, she is also troubled about affording a nice wedding dress, or any dress at all, for a ceremony she may even be apprehensive about having, at the moment.

Heidi Janson, who is the…

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Honor Role: Pets for Patriots

When veterans come home from deployment, they can sometimes feel forgotten. With common tales of roadblocks to benefits, difficulties in obtaining work, or feeling isolated from loved ones because of post traumatic stress disorder, our soldiers can lose their way.

Another group of Americans that fall through the…

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Honor Role: Miss Veteran America & Mr. Mom

It’s an honor to serve. For Miss Veteran America, it’s also an honor to serve her fellow female veterans who face adversity.

The organization Final Salute Inc. is committed to combating not only homeless female veterans, but also to help female veterans going through financial strife that puts them in danger…

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Honor Role: Reality TV Figure Shawn Goodwin

Reality TV is a massively popular notion in today’s voyeuristic society. Though quite a few programs under this category are found lacking both taste and worthy characters to focus on by the general public, others get it right.

Shawn Goodwin has quite a following in the world of reality TV via the popular Syfy program “

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Adopt a US Soldier

If you’ve ever been to summer camp or travel for a living, you are familiar with the uncomfortable feeling of being away from home. Now, picture being part of the military and being deployed. The US Adopt a Soldier program was created in order to combat these awful feelings magnified with the added…

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A New Orleans First: Chronic Homelessness ended among Veterans in NOLA

Combatting Veteran HomelessnessOn Jan. 7, New Orleans Mayor Mitch Landrieu reported that New Orleans has become the first major American city to end chronic homelessness among veterans. On July 4, 2014, Landrieu announced the intention of housing 193 homeless veterans by year’s end; the city exceeded this goal by finding suitable homes for 227 veterans.  New Orleans became the first city to…

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5 Ways for Veterans to Sell their Home without Equity

Selling your home without equityIn recent years, home values have fallen into a tailspin for countless active duty military members, many of whom have gone underwater on their mortgage. This means they owe more on their mortgage than what the market dictates the value of the home is. Complicating this issue for military homeowners is the looming possibility of receiving Read More..

VA Hud Team UP

The U.S. Department of Housing and Urban Development (HUD) and the V.A. Join forces to assist 2,000 Homeless Veterans

Achieve Permanent Home Occupancy

why are veterans homeless in americaNational effort to end veteran homelessness buoyed by$13.5 million in HUD-VASH vouchers

The Department of Veterans Affairs is aggressively combating veteran homelessness, with a stated goal of eliminating it by the conclusion of…

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Army Ranger School Opening For Women

Army ranger school For WomenThe contributions women have made to the American military over the course of this nation’s history are undeniably substantial. Despite being largely overlooked and often marginalized, innumerable examples exist of female military members demonstrating the same patriotic bravery and dedication to service as their male counterparts. It was Margaret Corbin, who defended Fort Washington with a Cannon after…

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Applying for a VA Home Loan if You’re Active-Duty

apply for va home loanActive-duty service member in the U.S. military, are eligible to receive the VA home loan. In comparison to conventional loans, military members are much better off pursuing a VA loan. This loan offers no money down, easier qualifying standards, no set credit requirement, a reduced funding fee and no mortgage insurance required, among…

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Art Therapy Treatment for Veterans with PTSD

art therapy for veterans with PTSDPerhaps the most widely used phrase to describe the nature of war is the three words first coined by Civil War General William Tecumseh Sherman: War Is Hell.  Following a summer long engagement, which saw a combined 8,000 Americans killed and an additional 50,000 wounded, Sherman, laid siege to the City of Atlanta. The Atlanta Campaign culminated…

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Can I Add the Funding Fee to my Loan?

Can I add the funding fee to my loan?Since 1944, the VA Home Loan Program has financed home purchases for over 18 million veterans. Because the Department of Veterans Affairs minimizes lender-risk by insuring the loans, financing is more readily available. Eight out of ten veterans are unable to qualify for conventional loans; because the program largely mitigates investors from the burden…

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What are the Differences Between Conventional Loans and VA Loans?

difference between conventional & va loansBuying a home is one of the most important decisions a person will make over the course of their life. Although the foreclosure rate rose drastically in the mid-2000s, and the number of younger Americans buying a home has steadily declined in recent years, the American rate of homeownership remains at roughly 65 percent. Despite the percentage…

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Interest Only VA Loans

interest only va loansVA Home Loan Centers does not recommend, nor guarantee interest only mortgages.

Interest only loans are shorter term adjustable rate mortgages where a borrower is not required to make payment on the principal loan amount. An amortized loan calls for the mortgage holder to make payments for both the interest and the principal every…

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What is CAIVRS?

bird asking "what is caivrs"In order to secure approval for a loan, an applicant must pass a CAIVRS screening. An acronym for the Credit Alert Interactive Voice Response System, CAIVRS is a database that contains the applicant’s federal delinquency history, created by the federal government. Used to track debtors with overdue payments by authorized employees, CAIVRS reports are compiled from:

Housing Adaptation Grants

Housing Adaptation Grants

22,676 United States Military veterans are living in this country today. That number continues to increase; some 200,000 active duty personnel make the transition into civilian life yearly, according to the Department of Veterans Affairs.  For many, the time of transition is incredibly challenging, veterans are exposed to unemployment, homelessness and PTSD at far…

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Veteran Disability Exemptions by State

Veteran Disability Exemptions by StateFive-and-a-half million veterans are currently living with a disability. Of those, three-and-a-half million veterans sustained their injury as a result of their military service.  2.9 Million are receiving disability compensation from the government, representing a larger than $36 billion a year expenditure. As a result of 12 years of a continuous wartime, the number of disabled veterans with…

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Homeownership Trends among Young People

young couple homeownersOnly 16 years ago the number of Americans less than 35 years old burdened by student loan payments was only 23.3 percent. At the time, those with student debt carried an average balance of a paltry $10,000. Today, the same demographic has seen an exponential increase in student debt. 42 percent of young people now carry student loan payments, on…

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The New FICO Score 9

fico 9 scoreThe 2008 recession hit many Americans hard. Three million plus people were subjected to home foreclosure, a number equaling an 84 percent increase from the previous year and a 225 percent jump from two years prior. Though the country has rebounded in many ways, the post recession…

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Veteran Employment Obstacles

veteran employment obstacleSince 9/11 the total number of disabled veterans increased by 25 percent. 2.9 million former military members suffer from a service related disability. A far greater sum when viewed through the scope that the toll combat takes often falls outside of physical injury. In 2012, according to The Department of Veterans Affairs, 30…

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Can I use a VA Loan for Vacant Land?

no va loan on vacant landThe VA Home Loan is incredibly beneficial to qualified military members. Since congress originally created the GI Bill, the VA loan program has facilitated mortgages for some 18 million-service members who in many cases would not have otherwise qualified for a loan. Today the popularity of the loan continues to…

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Armed Forces

John F KennedyJohn F Kennedy once said “A young man who does not have what it takes to perform military service is not likely to have what it takes to make a living. Today’s military rejects include tomorrow’s hard-core unemployed.”  While times have changed and President Kennedy’s ideals about non-military members may no longer hold the same…

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Can I have two VA loans?

Can I have two VA loansThe unofficial slogan of VA Home Loan Centers is “if you are up to date on your payments, following a short sale, we will get you in a home tomorrow.” Under many circumstances, following a bankruptcy, foreclosure or short sale, a military member may qualify…

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