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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.
FEBRUARY 2007
VA Loans for Military Veterans
Securing a home loan can be a difficult and frustrating venture. But if you're a Military Veteran, it doesn't have to be.
The VA Loan Program can make it much easier for Veterans to secure a home loan by eliminating the need for a down payment.
Also, with careful structuring of the purchase contract, the Veteran can avoid needing cash for closing costs as well.
[ - read the complete article - ]
Gain More Advantages
Many of today's home sellers know they must offer an attractive deal in order to find a buyer. Yet often they are
understandably reluctant to drastically cut their asking price.
But you can ask for other concessions that will benefit you, while letting the owner obtain an acceptable sales price.
Negotiate to have the seller pay some of your closing costs, and possibly to pay "points" as well.
Reducing or eliminating closing costs lets you purchase a great home without having lots of money saved. You won't need
to write a big check at closing to cover transaction costs.
Your mortgage interest rate also can be reduced by paying points at the time of purchase. If your seller
pays points, you'll have lower monthly payments for as long as you live there.
The GI Bill Can Change Your Future.
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The Time is Right
Springtime traditionally has been a period when Americans enjoy shopping for a new place to live. And this year that
is truer than ever. "It is now a buyers market," says David Lereah, chief economist at the National Association of Realtors.
"Buyers still have the upper hand" in most communities, agrees syndicated real estate columnist Kenneth Harney.
Yet "smart shoppers should recognize that the game is changing," he adds. "Lobbing lowball offers at already marked-down
properties isn't a winning strategy," Harney explains. Buyers today should "be prepared to pay a price that may not
be as low as you had hoped," he notes. "But that just might
be your last shot at a particular house before it sells for closer to the asking price a few weeks from now."
Harney reminds consumers that mortgage rates are within one point of their 40-year lows - and that today's attractive financing opportunities "won't be around indefinitely." But for now, "a fairly-priced house combined with a low-cost mortgage adds up to a potentially great deal."
Buying a home will provide benefits you'll enjoy for years. "If you're in it for the long haul, housing is a sound investment," says Lereah. Contact us before you begin looking at real estate, so we can show you how a wonderful home will fit into your budget now.
Reduce Your Credit Concerns
Often borrowers worry more about their credit score than they need to. Your credit history doesn't have to be perfect in
order to buy a house. Many issues can be improved by going over your credit report, and understanding how
it's put together. Lenders are mostly concerned with your recent bill-paying habits, and less likely to hold
past problems against you.
Yet it's important to review your credit report to insure you've been given proper credit for making payments. Also it's
best not to buy a new car or take on a similar financial obligation right before you want to purchase real estate.
We'll work with you to help boost your credit score, so you can obtain financing on the best possible terms. We'll
have the greatest success if you contact us as early as possible when you're considering a home purchase.
Handling Medical Bills
Health care costs are going up faster than average incomes are - and that can turn unexpected medical problems into
financial challenges. At times families have no alternative but to put these bills on their credit cards, reveals new
research from Demos and The Access Project.
Even Americans with health insurance "increasingly find themselves paying unmanageable out-of-pocket expenses for health
care," the public policy groups report. "Too many working people are piling up debt on high interest credit cards,
and risking their financial security, simply because they have the misfortune of getting sick," adds Mark Rukavina,
one of the study's co-authors.
Almost three out of ten low- and middle-income households with card debt say medical expenses make up a
portion of what they owe. Moderate-income households with medical debt typically have 46 percent higher
charge card balances than folks who don't have unpaid doctor bills, according to "Borrowing to Stay Healthy."
Additionally, families without health insurance owed an average of $14,512 on their cards. Health-care borrowers with
insurance owed an average of $10,973. You can pay off costly credit card bills with a low-rate home equity loan. We can
explain the pros and cons of these financing tools, and show how they'll work in your situation.
Worrying about bills is a terrible stress when you're also facing a health challenge. Fortunately, there are borrowing
options which offer lower monthly payments than credit cards do. Call us soon if you're looking for a better solution to
cover unexpected expenses.
Enjoy Your Vacation More
Too many office workers suffer from "leisure guilt," psychologists say. It occurs when we feel bad about spending time away from
work - even though taking vacations is crucial for renewing our spirits and body. E-mail and voicemail make it all too easy to
succumb to these negative feelings. In the past someone who wanted to take work with them had to lug files to the beach.
But now we can check for messages numerous times a day on our cell phones. Yet to gain the benefits you need from a vacation,
it's helpful to resist those temptations. One way is by asking a trusted co-worker to contact you while you're on vacation
only if something serious occurs. That way you won't feel the need to be constantly "checking in" to make sure
nothing crucial has happened. Relying on others can take unneeded anxiety off us. You can count on us to handle the
details of your next mortgage loan, so you'll have more time to concentrate on activities that are important to you.
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