#current va loan

[kmrealtygroup]

Understanding Inflation’s Influence on Mortgage Rates.

Confused about how inflation affects your mortgage? Don’t worry, you’re not alone. Decoding economic trends can be daunting, especially when you’re planning to buy a home. However, the repercussions of inflation on mortgage rates can’t be ignored. Chicago’s KM Realty Group is here to simplify things for you.

In the face of burgeoning inflation, the Federal Reserve has been striving to bring it down through various measures. While we’ve seen inflation cool down for twelve consecutive months, the figures remain higher than the Federal Reserve’s target of 2%, creating waves across the housing market.

Why does this matter?

Because this inflation trend brings with it fluctuations in the Federal Funds Rate, a key element impacting mortgage rates.

Contrary to what you might initially think, movements in the Federal Fund Rate have crucial implications for mortgage rates. Decisions made by the Federal Reserve can subtly influence economic activity, and consequently, the mortgage rates you’re obligated to pay.

This monetary policy mechanized by the Federal Reserve becomes particularly relevant when inflation is riding high like it is today. High inflation naturally gives rise to increased mortgage rates. But if the Federal Reserve is successful in its endeavors to mitigate inflation, it could result in reduced mortgage rates, consequently making homeownership a more affordable venture.

Historical data demonstrates the relationship between falling inflation and declining mortgage rates. With inflation on a tentative downward trend (as indicated by the blue trend line in the analysis), one could anticipate a subsequent drop in mortgage rates (depicted by the green trend line), making this the right time to consider your real estate options.

With the ongoing fiscal uncertainties, the best way forward is to keep a vigilant watch on inflation movements and their ramifications on mortgage rates. As Chicago’s premier Realty Group, KM Realty Group LLC equips you with expert advice on housing market shifts and their implications.

For a detailed insight into the dynamics of inflation and its effect on mortgage rates, visit our original blog post here at KM Realty Group LLC’s blog page. With our comprehensive analysis, you can stay ahead of the curve and make well-informed decisions in your journey toward home ownership.

Stay tuned for more updates and tips from our real estate professionals, ensuring you stay informed and prepared in these fluctuating economic times.

[copperbadge]

Radio Free Monday

Good morning everyone, and welcome to Radio Free Monday!

Ways to Give:

Anon linked to a fundraiser for Andrea, a trans woman, UU minister, and veteran, and her wife Wren, a genderqueer veteran, who are currently homeless along with their three cats. While they are working with the VA to get approval for housing assistance, they're in need of funding to get back on their feet; you can read more and support the fundraiser here.

littleredreadinghood linked to a fundraiser for kirkaut, who was recently diagnosed with an aggressive cancer and is in need of help with medical bills. You can read more, reblog, and find giving information here.

like-the-midnight-sun linked to a fundraiser for a close friend, a queer, trans, and multiply-Disabled writer who has just lost their job and needs to pay a steep phone bill to reactivate their service so they can look for work. You can give via paypal here or via Chime to nachonaco.

Anon linked to a fundraiser for crazywolf828, whose grandfather, one of the household's main income sources, recently suffered a broken hip and is currently in a rehab center; they need help with medical bills among other things. You can read more and reblog here or give via ko-fi here. (The page does pop up a "possible NSFW comment" warning window but there's nothing NSFW on that page.)

Anon linked to a fundraiser for Vinn, a disabled nonbinary person who is raising funds to move away from Utah, where being a queer person is becoming steadily less safe, to Michigan, where they have a place to live with their partner already set up. You can read more and support the fundraiser here.

like-the-midnight-sun and her wife are multiply marginalized people who don't feel safe in the US anymore; they are fundraising to move to somewhere in Europe, probably Norway or Sweden, where they will be less likely to experience violent persecution. You can read more and support the fundraiser here.

like-the-midnight-sun and her wife are also hoping to get temporary assistance with a vet bill before they go out of town; the appointment is the day before payday and they won't be able to cover it until they are paid. They need a loan of $150 that they can pay back; you can give (with repayment on March 30th) via paypal here, via Venmo to ARZinzani (9980), or via Chime at $Nassun-0428.

Recurring Needs:

thelastpyler is raising funds to help with food, transportation, and replacement IDs after being robbed; you can read more, reblog, and find giving information here.

And this has been Radio Free Monday! Thank you for your time. You can post items for my attention at the Radio Free Monday submissions form. If you're new to fundraising, you may want to check out my guide to fundraising here.

[usafphantom2]

Where are the SR 71’s today?

They are all on display in America with one exception. #962 is at Duxford, Great Britain. this SR-71 was the one that was the most frequently stationed in Great Britain It’s a permanent loan from the United States to Great Britain with our thanks.

Arizona

#17951 flew on March 5, 1965, and served as a test bird throughout its career. It is currently displayed at the Pima Air Museum, Tucson, AZ.

California

California is home to more SR-71 aircraft than any other state. It houses six of them, listed below:

•SR-71A #17955 - AFFTC Museum, Edwards AFB, CA.

•SR-71A #17960 - Castle Air Museum near Atwater, CA.

•SR-71A #17963 - Beale AFB, CA.

•SR-71A #17973 - Blackbird Airpark, Palmdale, CA.

•SR-71A #17975 - March Field Museum, March AFB, CA.

•SR-71A #17980 - NASA's Dryden Flight Research Center as #844.

Florida

In Florida, specifically at the USAF Armament Museum, Eglin AFB, FL, the SR-71A #61-7959, also known as the "Big Tail," is on display. This nickname dates to 1975, when it was chosen as the platform for a new series of sensors placed in an extension towards the rear of the aircraft . The last flight of this aircraft took place on October 29, 1976

Georgia

At the Museum of Aviation, Robins AFB, GA, the Blackbird SR-71A #17958 is on display. According to various records, on July 28, 1976, this example facilitated a human being (pilot captain Eldon W. Joersz and major RSO George T. Morgan Jr.) to reach the highest speed ever aboard an aircraft.

Kansas

SR-71A #17961 accumulated 1601 flight hours until February 2, 1977, the date of its last flight. It is currently on display between a Northrop T-38 Talon advanced trainer and a life-size replica of the Space Shuttle at the Kansas Cosmosphere and Space Center, Hutchinson, KS

Louisiana

At the 8th Air Force Museum, Barksdale AFB, LA, the SR-71A #17967 is on display, one of two examples reactivated in 1995 for USAF service before the program was canceled in 1998. Over the years, this aircraft accumulated more than 2700 flight hours.

Texas

At the USAF History and Traditions Museum, Lackland AFB, TX, is SR-71A #17979, which was used as a reconnaissance aircraft during Operation Giant Reach in the Egyptian-Israeli war.

Michigan

Two trainer variants were built, denoted SR-71Bs. One crashed on approach to Beale AFB on January 11, 1968, while the other, SR-71B #17956, is displayed at the Kalamazoo Aviation History Museum in Kalamazoo, MI. This SR-71 has more flight hours than any other Blackbird, nearly 4000, and is believed to have been photographed more times than any other.

Nebraska

At the Strategic Air and Space Museum near Ashland, NE, SR-71A #17964 is on display. Its first flight took place in 1966, and the last in 1990, when it was delivered to Offutt AFB, NE, to be permanently exhibited

Ohio

The first operational ( Jerry O’Malley and Ed Payne) mission of an SR-71 was carried out by SR-71A #17976 before concluding its career with about 3000 flight hours. It is among the first SR-71s to be permanently exhibited and best preserved. It is displayed at the National Museum of the United States Air Force, Wright-Patterson AFB, OH.

Oregon

Below the right wing of Howard Hughes' H-4 Hercules at the Evergreen Aviation Museum in McMinnville, OR, is the most complete and accurate SR-71, SR-71A #17971, which has accumulated over 3500 flight hours.

Utah

As mentioned, after January 11, 1968, when half of the SR-71 trainer fleet was lost due to the crash of #17957, a replacement trainer was built, designated SR-71C #17981. This aircraft is currently on display at the Hill Aerospace Museum, Hill AFB, UT. Irregular maintenance procedures and aftermarket construction caused constant yaw of the aircraft; therefore, the SR-71C was used on a limited basis between 1969-1976.

Virginia

The state of Virginia hosts two SR-71s:

•SR-71A #17968 is displayed at the Science Museum in Richmond, VA. 2. The #972 at Udvar-Hazy

Chantilly,

Linda Sheffield

@Habubrats71 via X

[millerflintstone]

I think today is the day we will learn of the results of the buyer's VA loan related appraisal and if that will further affect anything. Fingers crossed it's just a formality for their loan because it was not as in-depth as the one we got for our refinancing loan in 2019. There were two guys that came by on Thursday and they were done in 15 minutes. Crazy. Our appraiser took her time and was a bit chatty. Compared to the other homes for sale in the neighborhood, ours is the lowest price. If the appraisal is lower than what the current accepted offer is, that's a whole other problem.

Today is also the pest control company coming by do the termite inspection and generate a letter, also as part of the buyer's VA loan rules.

Ugh

[moonythejedi394]

snippet from into the dark

The conference is not held in a board room or auditorium, but what looks like Mikoyan’s personal office at the Ritz. The office is definitely spacious, but with the number of people shoehorned in, it feels rather cramped. Bucky’s crew is limited to a ten by five foot square; Murdock and Nelson sit in straight-backed armchairs, Natasha, Clint, and a few of the other goons are in folding chairs, but most of them are left standing. Given the number of times the arguing has escalated to drawn weapons, Steve fully understands why there are ten armed men standing behind them.

However, Steve’s bored as shit. Bucky’s definitely bored as shit, too, considering the argument currently taking place has nothing to do with his territory. Steve’s pretty sure the root cause of this problem is Pascal Boissieus’s insecure relationship Va niquer ta merehis father, becVa niquer ta mereause it really seems that this argument is purely between him and his sister, Charity (Cyril’s the one married in, turns out). Shit’s weird.

But it’s day 9 of this fucked up conference. Steve is texting Darcy, Peggy, and Peter to complain and trash-talk. He misses his bed back in New York and he’s getting tired of having nothing but the food served at the Ritz; they haven’t had time to get In’N’Out or pastrami from The Hat, the conference is so demanding.

“Can we table this?” Bucky asks for the eighth time in the past twenty minutes.

“C’mon, it’s just gettin’ good!” Simon Robel protests.

“You stay out of this!” Charity snaps.

“Seriously!” Bucky calls. “This has nothing to do with the rest of us!”

“For once, I agree with Barnes,” Krikor Mikoyan announces. “There are more important topics we have not yet touched on.”

“Like what?” Charity Boissieus snaps.

The attention in the room all shifts to Krikor, but he, instead of speaking, turns to look at Fisk. Steve’s phone screen blacks out from inactivity, but he doesn’t move. Fisk stands and steps forward.

“I have a grievance I feel I must share,” he begins.

“Talk shit fast,” Boissieus says.

“It greatly concerns the eight families,” Fisk assures Boissieus, bowing at the waist to the family leaders one by one. 

He doesn’t, however, bow to Bucky. He lets his gaze linger on them and smiles a little. Steve’s jaw tightens.

“What I propose today could change the structure of everything we do,” Fisk says. “My family’s honor was spat upon some fifty years ago, you see.”

“Talk faster,” Bucky snaps.

“It is your organization that slighted me,” Fisk returns, stepping into the center of the room as though taking on a spotlight. “When I was just a boy, my father borrowed money from the Seyrbakovs to fund an election campaign for the city council. But he failed, unfortunately, and was unable to pay back the money he was loaned.”

Steve’s gaze sharpens. Fisk pauses to look around once more, tongue wetting his lips as he takes in a breath and lets his words sink in. Steve sits up a little.

“My father asked the now late Aleksei Seyrbakov, senior, to allow him some time to find a way to repay his debt,” Fisk says. “Seyrbakov gave him no time. Even before the original date that he and my father had agreed upon, Seyrbakov demanded the debt repaid. My father could do nothing, we were penniless and he could barely afford to keep me and my mother off the streets. My father was a good man,” Fisk tells the room, as though insisting the point.

Insisting, Steve knows, because Fisk is fucking lying.

“But Seyrbakov did not see it that way,” Fisk tells them. “When my father failed to repay his debt, Seyrbakov sent men to collect. In blood. I was only twelve.”

“Why should we care?” Marlies demands. “Your pops couldn’t pay up, it’s what happens when you borrow from the mafia.”

“Suck it up, as the kids say,” Constanza Genovesi tells Fisk.

“Had I been an honest businessman, I would agree,” Fisk answers Constanza. “But I am not an honest businessman. I am the new competitor for the Seyrbakov family.”

Bucky opens his mouth. Steve grabs his knee and squeezes. Bucky meets his gaze and Steve just holds it steadily. Let him finish, he tries to silently communicate. Trust me.

Bucky tenses his jaw. He glances to Fisk, then back to Steve. He works his jaw back and forth, his gaze concerned. Steve, maintaining eye contact, slightly lifts his chin. Bucky thinks for a moment, but then, almost imperceptibly, he nods and leans back, and as Steve relaxes next to him again, he flicks his gaze back to Fisk.

“I ask that this conference treat the murder of my father the same way you would your own,” Fisk announces. “The Seyrbakov dynasty has ended, you all agree that Barnes is not the rightful heir to the family, he deserves no seat at this council. My business is bigger and better. I could wipe him out in an instant, but I stand before you today because while I may not be an honest businessman –”

Fisk turns and looks directly at Bucky.

“I am no underhanded serpent,” he concludes darkly.

Fisk stops. The room is silent. Steve swings his spiked red bottom Death Metal heels off the opposite arm of the sofa and sits upright. He looks Fisk in the eye despite the quickening of his heartbeat, then brings his hands together and claps once, twice, three times. 

Fisk blinks. Steve applauds slowly. No one joins in and everyone looks at him like he’s insane.

“That was really moving,” he starts calmly. “Did you write it down or was it off the top of your head?”

“I am not sure I understand –” Fisk starts, but Steve cuts him off.

“It’s a really convincing story,” he says, flicking his eyebrows up and even smiling. Fisk looks flabbergasted now. Steve just smiles. “A story,” he repeats, “but go off, I guess.”

“Are you calling me a liar?” Fisk asks, sounding highly insulted.

“I ain’t callin’ you a truther,” Steve snaps. “Pal, who the fuck you kiddin’? You killed your father!”

Fisk sucks in a breath and his eyes widen. Bucky lets out a sudden and sharp laugh and flops backward in his seat, covering his eyes with a hand. Krikor Mikoyan grabs Fisk’s arm and makes as though to whisper in his ear, but Steve stops him, again.

“Credit to him,” he announces, looking around the room, “his pop beat him and his ma an’ I really don’t think a jury would’a convicted him, even when he was 12, but his pa didn’t get offed by the Seyrbakovs and it had nothin’ to do with money!”

“He’s lying!” Krikor laughs, sounding very unconvincing. “Seyrbakov had Wilson’s father killed –!”

“Blah, blah,” Steve interrupts. “You wanna call out an underhanded serpent, how ‘bout you call out yourself, you fucking p***,” he spits out violently, impulsively. “Well, I suppose technically, you’re an ephebophilic.”

Bucky jolts. Fisk’s eyes narrow and Steve doubles down. 

“Yeah, I said it!” he snaps, clapping his hands together. “You’s a snake and a creep, you nasty! Take your grievances and GTFO, asshole!”

“What?” Krikor splutters.

“How dare you –” Vanessa, Fisk’s fiancée, starts on Steve.

“Sis,” Steve interrupts her, too, “just don’t.”

“Was this your grand plan to oust Barnes once and for all, Kay?” Kempinski asks Krikor angrily. “A weak lie by a low-level mob boss?”

“I am not lying!” Fisk says in almost a roar.

“You told Garrett,” Steve snaps. 

Fisk’s gaze snaps back to his and Steve just raises his brows. 

“Back in the Persian Gulf, remember that?” he spills. “The night the two of you lost your squad and you was deep in enemy territory, thought you was gonna die, so you told each other your worst secrets?”

Fisk doesn’t reply. His silence says everything, though.

“Don’t feel bad,” Steve adds, “Garrett never keeps secrets. Kept,” he corrects himself. “Satan torture his soul,” he concludes.

(Satan’s not torturing his soul. Because Bucky’s not done torturing his body.)

Marlies Robel starts slow-clapping. Boissieus quickly joins in, then Charity and Cyril and the other Robels join in. Garine rushes in and grabs Krikor’s arm, yanking him away from Fisk and hissing angrily in his ear. Vanessa moves to her man’s side and touches his arm gently. Fisk doesn’t move.

“Let’s touch back on that p*** thing,” Simon Robel says. “I fucking hate p***s.”

“Wilson is no child predator!” Vanessa snaps.

Steve waves a hand at her. “What’d I just tell you two minutes ago?” he demands. “Sis, just don’t.”

“Do you have proof?” James Wesley tries to ask.

Steve turns his gaze on him and just stares blankly at him. Wesley spreads his hands, raising his eyebrows. Bucky sets a hand on Steve’s back, but Steve works his jaw, then leans forward and looks at Garine and Krikor.

“Does that big screen have a cast function?” he asks, waving his phone a little.

Krikor glares. Garine glances at the nearest large, flat-screen TV mounted on the wall – there are many – and she shrugs, then grabs a remote and switches it on. Steve looks down and unlocks his phone, jaw clenched, and opens up his Google Drive.

There were definitely more things to hate about his time learning from Garrett, but Steve can be glad for a few. One of which, Garrett’s insistence on security.

“What are you doing?” Vanessa asks.

Steve taps on an old video, hits cast, and selects the nearby TV. He looks up and watches as the TV loads the media from his phone. His pacemaker’s keeping his heartbeat from pounding out of his chest. This is overkill. This is so overkill, but Steve’s pissed. Does he fucking have fucking proof?

[hobie-enthusiast]

this post is more serious than my others and talks about the current strike, as well as why people should stop complaining about BTSV most likely being delayed (+ help links for the strikes at the end)

lets start with the first and obvious point on why you should stop complaining;

WRITERS AND ACTORS ARE ON STRIKE

what does this mean? it means that actors and writers apart of their respective unions (WGA - SAG-AFTRA) are halting all production and promotions of their movies to strike for fair living wages. they have been underpaid for far too long, and deserve to make a livable wage.

why is this important? because they are not being paid the fair wages that they deserve. a TON of company CEOS are making 400 TIMES what their lowest paid worker makes. That isn’t acceptable and this strike is exactly what hollywood needs. its a wakeup call. capitalism greed has ruined hollywood.

the amount of times ive seen “oh no (insert movie) is getting delayed why did they have to go on strike :(“ is fucking ridiculous. you should instead point your blame and anger towards these major production companies who are screwing over their workers.

another point;

both ITSV and ATSV were very thought out movies. they took years of production and and animation work, as well as research and tests to try and perfect the movie. and they did! both movies are easily the top animated movies of our time. so, to get the same product for BTSV, they need time.

if they speed production after the strike to get this movie done, it’s going to suck. im sorry but its true. true art and craft takes time and energy. it takes effort and thought from the entire crew. it takes a whole team to bring it together. rushing to make the deadline would not work in anyone’s favour.

my next point;

it has been said by va’s and animators that no work for the next movie besides whatever they explored before it was split is done. absolutely nothing. sure, they have a plot idea. they absolutely have an ending in mind, a plot too. thats why it was split.

but like previously stated, animation work takes time. its such an incredible art and process that is time consuming. putting pressure on anyone to finish it will only result in a poor movie.

i love both movies, so incredibly much, and i truly cannot wait for BTSV. but i would rather wait the same 5 years between the first two between these ones if it means we get something even better than ATSV.

i stand with the writers and actors. im willing to wait for the next movie. im willing to support the movies and production team for their hard work when they take their time and push the release date back.

and you should too.

below are links to support the strikes and those who are not being paid fairly. please take time to sign and donate if u can. it’s important.

— https://secure2.convio.net/afa/site/Donation2?df_id=8117&8117.donation=form1&mfc_pref=T - donation fund for actors currently on strike

— https://entertainmentcommunity.org/how-get-help-and-give-help-during-work-stoppage - information on how to help and support SAG - AFTRA

— https://www.sagaftrastrike.org/stand-with-us - pledge your support for SAG - AFTRA

— https://www.wgacontract2023.org/take-action/stand-with-writers - pledge your support with WGA

— https://www.wgacontract2023.org/take-action/social-media-toolkit - strike toolkit on how to help and support WGA

— https://www.sagaftrastrike.org/social-toolkit - strike toolkit on how to help and support SAG - AFTRA

— https://www.wga.org/members/finances/good-welfare-emergency-assistance-loans - emergency fund for WGA writers

any support and boost on this post is always appreciated. make sure people know how to help.

[lasersheith]

I really need to stop looking into the comments on posts on here. I just saw a big post about the current admin pardoning a bunch of military personnel who had been court martialed and dishonorably discharged effectively for being caught having gay sex and the notes added many more cuts in my faith for the future turning out ok. So many people were like "it's bad actually that gay former soldiers are going to be allowed to vote and have access to VA benefits like healthcare now, because they signed up to be soldiers and are therefore evil and bad and deserve nothing."

Do you understand how manipulative military recruiters are? Do you understand how hard it used to be (and in a lot of places still is) to be queer and poor and stuck living with your unsupportive family? Do you have any idea how expensive college is in the United States? How expensive healthcare is? Retirement? Fucking housing even?

So many people join the military here because they have no other choice. Their family has bad credit or no credit and they can't get loans for college. They can't leave their unsupportive community without a job or a school to go to. And then a big tall man in a shiny uniform with a bunch of fancy ribbons comes to their high school senior year and says "look at all this good stuff you could have, look at all these cool places you can travel. We'll even pay for your bachelor's degree, and if you're really good maybe even something beyond that. All you have to do is sign on the dotted line and we'll tell you where to go." And then you get there and they tell you exactly what to do, what to say, what to wear, how to cut your hair, how to stand, how to walk, give you things to eat that always taste the same at exactly the same time. For a lot of neuro divergent people it's like heaven. Finally there are rules and you can learn all of them and none of them are secret they're all in the book you got on day one.

And then they traumatize the shit out of you. Convince you to do things you otherwise wouldn't because you're inside the propaganda machine and everyone you know and everyone you trust is doing this so you do it too. And then you come and your world falls apart and everyone abandons you.

I'm not saying we should worship the US military or that the military industrial complex isn't one of the largest forces for evil in this world, but that is not the fault of the large percentage of the regular ass people who get suckered into joining up because they have no other options. The fact that the entire strategy hinges on offering these desperate people (most of them barely adults yet) healthcare and education and housing in exchange for their indentured servitude for literal years of their lives is the fucked up part.

It's also a big part of why it's so hard to get education and healthcare reform in this country. What would we offer soldiers if everyone got healthcare and education for reasonable prices? Which is obviously fucked up, but again, not the fault of the desperate people who sign up for the deal.

[theliveleads]

VA Mortgage Transfer: Understanding the Process and Benefits

Transferring a VA mortgage can be a significant decision for both veterans and active service members. Whether you are moving to a new home or seeking better loan terms, understanding the VA mortgage transfer process can help you make informed choices. At Thelivelead, we aim to provide you with all the necessary information to navigate this process smoothly.

What is a VA Mortgage Transfer?

A VA mortgage transfer, also known as a VA loan assumption, allows a borrower to transfer their existing VA home loan to another eligible veteran or service member. This process can be beneficial for both the current homeowner and the new borrower. The original borrower is relieved of the mortgage obligation, while the new borrower benefits from the favorable terms of the existing VA loan.

Benefits of a VA Mortgage Transfer

1. No Down Payment for the New Borrower

One of the primary advantages of a VA loan assumption is that the new borrower can take over the loan without needing to make a down payment. This benefit makes homeownership more accessible for veterans and active-duty service members who may not have significant savings.

2. Lower Interest Rates

VA loans often come with lower interest rates compared to conventional mortgages. By assuming an existing VA loan, the new borrower can potentially secure a lower rate than what is currently available in the market, leading to significant savings over the life of the loan.

3. Simplified Qualification Process

The qualification process for a VA loan assumption can be less stringent than applying for a new mortgage. The new borrower may find it easier to qualify based on the original loan's terms and conditions, which can expedite the home-buying process.

4. Avoiding Closing Costs

In many cases, the closing costs associated with assuming a VA loan are lower than those for obtaining a new mortgage. This reduction in costs can make the transaction more affordable for the new borrower.

The VA Mortgage Transfer Process

1. Determine Eligibility

Before proceeding with a VA mortgage transfer, it's essential to determine if the new borrower is eligible for a VA loan. Eligibility is typically extended to veterans, active-duty service members, and certain members of the National Guard and Reserves. The new borrower must also obtain a Certificate of Eligibility (COE) from the Department of Veterans Affairs.

2. Contact the Lender

The current homeowner should contact their lender to discuss the possibility of a VA loan assumption. The lender will provide information on the specific requirements and documents needed for the process. It is crucial to ensure that the lender approves the assumption before proceeding.

3. Submit Required Documentation

The new borrower will need to submit various documents to the lender, including proof of income, credit history, and the COE. The lender will review these documents to assess the new borrower's ability to assume the loan.

4. Credit and Income Verification

The lender will perform a credit and income verification to ensure that the new borrower can meet the loan's obligations. This step is essential to protect both the lender and the borrower from potential financial difficulties.

5. Assumption Agreement

Once the lender approves the assumption, an assumption agreement is drafted. This legal document outlines the terms and conditions of the loan transfer. Both the current homeowner and the new borrower must sign this agreement to finalize the process.

6. Transfer of Property Title

The final step in the VA mortgage transfer process is the transfer of the property title. This step ensures that the new borrower becomes the legal owner of the property and is responsible for the mortgage payments moving forward.

Important Considerations

1. Remaining Entitlement

When a VA loan is assumed, the original borrower's VA loan entitlement may remain tied to the property unless the new borrower is a veteran and substitutes their entitlement. This situation can impact the original borrower's ability to obtain another VA loan in the future.

2. Due-on-Sale Clause

Some VA loans include a due-on-sale clause, which means the loan must be paid in full if the property is sold or transferred. It's crucial to review the original loan agreement and consult with the lender to understand any potential implications.

3. Negotiating Terms

The terms of the VA loan assumption, such as the interest rate and loan duration, may be negotiable. It's advisable for both parties to discuss and agree on these terms to ensure a mutually beneficial arrangement.

Conclusion

Transferring a VA mortgage can be an excellent option for both current homeowners and prospective buyers. With benefits like no down payment, lower interest rates, and a simplified qualification process, a VA loan assumption can make homeownership more accessible and affordable. At Thelivelead, we are committed to helping veterans and service members navigate the VA mortgage transfer process with ease. If you have any questions or need assistance, our team of experts is here to support you every step of the way.

[charlybird]

okay yes i am the strauss person from earlier. i swear its like people think you end up liking everything the character stands for or something. its all about what they mean to you i think, but people still find a way to hate it. i think this fandom is pretty odd when it comes to being tolerant about that cause if you have an answer/opinion they dont like its like its all out war. also yeah i totally agree with the micah thing too he's a super good character hes just easily dislikable. doesn't mean his va or actual writing is bad, the fact that hes so irrevocably evil (sorta, i don't mean actually evil but you know) makes him a very good villain.

also like i almost wanna explain, idk, you seem safe. when i first started playing the game i was afraid of conflict. super afraid of gunfights and whatever. and strauss was a way to earn money, which i was super down for doing because the whole gang had my heart already, but a way to do it without making a lot of noise. sure the lending is kinda terrible but to me it wasn't any worse, and was perhaps better, than gunning down lawmen and robbing from the banks, because the bank holds the people's money. he was just a non-directly-violent, sly way to do it. and it ended up with me liking him a lot. so when i took those missions in ch6 and had to go through the aftermath of it i was so angry with myself i didn't touch the game for a week cause i was convinced i was the reason he was kicked. and then the news charles gives you didn't help either. honestly im Just broken

I've only watched Markiplier's playthough to the end and I'm currently playing in chapter 4, so I have no idea what happens with Strauss there. But I also plan on avoiding most, if not all, of his side missions. But it is all just personal stuff. I personally just really hate the loan sharks missions. Plus my understanding of the bank robberies are that you wait until some big company needs to move money and that's when you rob the bank. The people's money wouldn't be enough to risk a bank job, if I've understood it correctly. But Dutch was meant to be someone who stole from the rich and gave to the poor, there's a few bits of dialogue where the gang say stuff like "remember when we used to help people". But we don't know when this changed though. Strauss and Micah are just meant to show that Dutch doesn't really make sense. And I'm not saying robbing a bank isn't bad, at the end of the day it's all bad, but I don't like seeing the poor person's live I'm destroying when I could just go do something else. Not to mention the whole "beat them/kill them if they don't give you their last bit of cash". I think Strauss' missions just feel a bit more real, the rest of the game is like cartoon violence in a way. But again, nothing wrong with liking the character. He's not real and liking bad characters does not reflect on real life morals. Not going to sit here pretending like I didn't go murder/steal from a bunch of stage coaches because my sweetheart Alden gave me those missions

[homeratemortgagetennessee]

Business Name: HomeRate Mortgage

Address: 7506 E Brainerd Rd

City: Chattanooga

State: Tennessee (TN)

Zip Code: 37421

Country: United States

Phone Number: (423) 805-9100

Website: https://homeratemortgage.com/chattanooga-tn-mortgages/

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Description: Buying a house is a big step and can be overwhelming. The last thing you need to add to your plate is worrying if you’re getting the best deal with your mortgage broker. Here at HomeRate Mortgage, we believe the best business practice is also the one that benefits our customers the most. When you’re happy, we’re happy. If you’re new to mortgages or have had one before, it is important to know that policies, requirements, and conditions are always changing. We work with you, and your individual situation, to see what the best option is and what you qualify for. Our team of experts is always up to date, and current on any changes made in the loan process and will quickly be able to work with you towards getting your loan approved.

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Services: Conventional Loans, FHA Loans, Jumbo Loans, USDA Loans, VA Loans, Reverse Mortgage, Mortgage Refinance, Cash Out Refinance, FHA Refinance, Jumbo Refinance, Streamline Refinance, VA Refinance, Mortgage Calculator, Mortgage Rate

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[dancranemortgage]

Mortgage Broker In Cane Bay SC

Your Mortgage Man brings unparalleled experience and insight to the home loan process. If you’re looking for a new home loan, are interested in refinancing your current mortgage, or need information regarding VA, FHA or other loan types, contact Dan Crance, your experienced mortgage broker in Summerville, SC

[katarh-mest]

There's a statistic floating around that for most people, it takes 20 years of nothing going wrong to climb one (1) social class.

That tracks. I was born lower middle class, at best - my parents were military and owned their own home thanks to a VA loan, but that was as far as generational wealth went. My family had tons of problems that kept my parents from ever really getting ahead. Childhood was purely treading water, a series of traumas and disasters with two officially disabled persons, and everyone else have secret or undiagnosed problems (including me and my ADHD-PI which got ignored because I was normal compared to my sister with schizophrenia and father in a wheelchair.)

I lost both my parents by the time I was 24. No inheritance. But somehow I scraped through and got a college degree, met a partner who was middle middle class and had a much more "normal" childhood letting his parents climb to upper middle class by the time he was in college (that is, nothing went wrong in his family while he was growing up), and found a bit of stability in my 20s. Things were hard as fuck and I was in debt to my armpits, but nothing went wrong for the last 20 years, mostly because everything that could have gone wrong already went wrong, including me being barren and unable to have children. (A fiscal blessing in retrospect.)

Now I have a good career that pays enough money to live a modest lifestyle and sock away some for retirement. My partner has a good career that pays enough money for those goals as well. (He's also very frugal, and neither of us like to gamble, so that helps a ton.)

However: We are both still one major disaster away from poverty. I've mitigated it as best I can by getting out of debt and trying to get on top of health problems before they get worse, and I pay into long term disability insurance at my job that'll pay out half my current salary for life if I become unable to work. In the US, that ain't enough. It'll be even worse if he loses his job (he makes half again what I do), and he knows it.

All we can do is continue to "work hard" but also pray that nothing major goes wrong because that literally is the only way to stay afloat in the current US capitalism hellscape.

people still think you become rich ??? from working hard?????? LMAOOOOOOOOOOOOOOOOO

[sensitive-virgo]

Leading Dental Assistant Programs in Virginia: Your Step-by-Step Guide to a Rewarding Career

Top​ Dental Assistant Programs in virginia: yoru Step-by-Step Guide to a Rewarding​ Career

If ⁣you’re considering‌ a​ career as a dental assistant in Virginia, you’re making ​a smart move. The demand for skilled dental ⁢assistants is on the ⁤rise,and the state offers a variety of accredited ‌programs to help you get ⁤started. ⁢This ⁢complete guide will walk you through‍ the top dental assistant programs ‌in ‌Virginia, the benefits ⁣of choosing this ⁤career ⁣path, and practical ⁤tips for⁣ your journey ahead.

why Choose a Career ⁤as ‌a Dental Assistant?

A career as a dental assistant offers numerous benefits:

Job security: The U.S. Bureau of Labor Statistics projects a 7% growth rate in dental ‍assistant employment from 2019 to⁤ 2029, making‍ it a stable career choice.

Good Salary: The‍ average salary for dental assistants in‍ Virginia is around $40,000 per ⁤year, with potential for growth.

Flexible⁣ Hours: ‌Many dental offices offer part-time positions, making it easier to balance work and personal life.

Fulfillment: Helping patients ⁢maintain their dental health can be incredibly‌ rewarding.

Top Dental Assistant Programs in Virginia

Here’s a list of some of the top dental assistant schools ​in Virginia that offer comprehensive training:

Program Name

Location

Duration

Accreditation

Virginia Western ⁢Community College

Roanoke, VA

1 year

ADA,​ CODA

ECPI University

Richmond, VA

9 months

CAAHEP

Tidewater Community College

Norfolk, VA

1​ year

ADA, ‌CODA

Brightpoint‌ Community College

Chesterfield, VA

1 year

ADA,‌ CODA

Southwest virginia ‍Community College

Richlands, VA

1⁢ year

ADA, CODA

Steps to ⁤Enroll in a Dental Assistant Program

Enrolling ⁣in a ‍dental⁢ assistant program is straightforward. here’s your step-by-step ⁣guide:

Research: Investigate various programs and their prerequisites.

Choose‍ a Program: Select the program that fits your needs and career goals.

Complete ⁣the Application: Fill out the application form and submit it⁣ before the deadline.

Financial‌ Aid: Explore scholarships, ​grants, and loans ‌to finance your education.

Prepare for classes: Gather necessary materials and familiarize yourself with the ‌program schedule.

What to Expect ​from ⁢Dental Assistant⁢ Programs

Dental assistant ​programs typically‍ include:

Courses: You’ll take classes on dental radiography, oral‌ anatomy, patient care, and office management.

Clinical Experience: Most programs offer hands-on training in a dental ‍office setting.

Preparation for Certification

Upon completing your program, you⁤ may choose ‍to take the Dental Assisting ‍National Board (DANB) certification exam.​ Here’s how to prepare:

Review Study Materials: Utilize textbooks,online resources,and review ⁢courses.

take Practice Exams: Familiarize yourself with‍ the exam format and types ‍of questions.

Schedule Your Exam: Choose a testing date that allows you ample time to prepare.

Real Life Experiences from Dental⁣ Assistants

Here’s what some current dental assistants say about their careers:

“I love the variety of tasks I ⁣get to perform. One day I’m managing⁣ patient records, and the next,⁤ I’m assisting ⁣in procedures—it keeps my job exciting!” – Emily, Dental Assistant in Richmond, VA.

“The relationships I have built ​with patients ⁢make my job worth ​it. Knowing I’m helping them feel better ‌about their smile is⁤ very fulfilling.” – Mark, ⁢Dental Assistant in Virginia​ Beach, VA.

Conclusion

Pursuing a career as ⁤a dental ‌assistant⁢ in Virginia⁤ can be a fulfilling choice both ‌personally and professionally.The state offers multiple renowned programs to fit your needs,⁣ so take your first step today! With the right education, preparation, ‌and mindset, you can thrive in this rewarding career. Remember to research extensively,⁤ communicate with current professionals, and take advantage of available resources to ensure your success. Get started on your journey​ toward becoming a dental assistant‌ today!

https://dentalassistantclasses.net/leading-dental-assistant-programs-in-virginia-your-step-by-step-guide-to-a-rewarding-career/

[alitonfinancetexas]

The Benefits Of Refinancing Your Mortgage In Texas

People always look forward to progressive options in their lives. They like to have a better home, better car, better job, etc. Acquiring a residence is frequently regarded as the most significant investment one can make. The process of possessing a property and having complete ownership significantly surpasses the implications of a mortgage. Are you dissatisfied with the terms of your existing mortgage? Do you require additional liquidity? If so, home refinancing could be an excellent solution for your needs. Contact one of the best home refinancing service providers to discover home refinancing that fits your needs. 

Refinancing a mortgage involves settling an existing loan and substituting it with a new one. This process can facilitate changes to your mortgage term and interest rate. It also enables you to access cash from your home’s equity. A decline in interest rates often presents an opportune moment for refinancing. Beyond potential cost savings, there are several additional advantages to consider when replacing your current mortgage with a new one. Below are a few benefits of refinancing your mortgage.

Achieve a lower interest rate and reduced monthly payment.

By securing a lower interest rate, borrowers may save thousands of dollars throughout their loan. Typically, a reduced interest rate correlates with a decrease in the monthly mortgage payment. These savings could be redirected towards paying off other high-interest debts, enhancing your savings, or increasing contributions to retirement funds.

Accelerate the repayment of your home loan.

Certain borrowers may have the opportunity to shorten the term of their loan through refinancing. Do you have held your loan for several years? A drop in interest rates might enable a transition from a 30-year loan to a 20-year loan. You can do it without significantly altering monthly payments. This shorter repayment period can lead to lower overall interest costs.

Secure a fixed interest rate.

Borrowers with adjustable-rate mortgages (ARMs) frequently opt to refinance into loans with fixed interest rates. This is particularly common when the adjustment period for the interest rate is nearing. It allows borrowers to take advantage of a lower fixed rate by refinancing their current loan.

Acquire financing for home enhancements or repairs.

Home equity is accumulated through mortgage payments, appreciation in property values, or a combination of all such factors. As a borrower, you have the option to pursue a cash-out refinance to tap into the equity you have established. The funds obtained can be utilized for various purposes! It includes financing home enhancements or repairs and settling high-interest debt. It also covers significant expenses such as medical bills, legal fees, and college tuition.

Eliminate private mortgage insurance.

Except for VA loans, borrowers typically incur private mortgage insurance (PMI) when they finance more than 80% of their home's value. In such cases, refinancing the mortgage may present an opportunity to eliminate this cost. This option is accessible to borrowers whose loan-to-value (LTV) ratio falls below 80% due to a decreased loan amount. It will increase your home value or a combination of both.

Do you have any inquiries regarding home refinancing in Texas? The knowledgeable and personable mortgage loan officers at Aliton Finance Texas have all the answers to your refinancing questions. They can assist you in obtaining approval for refinancing. Call them today at +1 (972)998-8522.

[bythebeautifullakeblog]

How to Find Affordable Villas on Jigani Anekal Road

Escape the urban chaos and embrace serene lakeside living. Discover the allure of By the beautiful lake villas nestled along the picturesque Jigani Anekal Road. This guide will equip you with the knowledge and strategies to find your perfect, affordable villa. Finding the ideal property can feel overwhelming, but with careful planning and research, you can navigate the market effectively and secure a fantastic deal. Let’s explore the path to finding your dream Villas in Jigani Anekal Road

Understanding the Jigani Anekal Road Real Estate Market

Current Market Trends: Prices, Availability, and Growth Potential

The real estate market along Jigani Anekal Road boasts a variety of properties. As of 2023, the average price for villas in this area Availability remains steady, with around 150 villas listed at any given time. Experts predict a 10% increase in property values in the next five years, making this an opportune time to invest.

Analyzing Property Types and Amenities Offered by Bythebeautiful lake

Bythebeautiful lake villas come in several styles, including:

Single-family homes: Spacious and ideal for families.

Duplexes: Affordable options for smaller households or investors.

Luxury villas: High-end finishes and expansive views.

Common amenities include:

Private gardens

Access to community parks

Sport facilities

These features enhance the living experience and increase property value.

Factors Affecting Villa Prices Along Jigani Anekal Road

Villa prices can vary based on several factors:

Location: Proximity to the lake often increases demand.

Size: Larger villas command higher prices.

Age: Newer constructions tend to sell for more.

Amenities: Properties with premium features like pools or smart home technology will have higher price tags.

Understanding these factors will help you gauge the market better.

Effective Strategies for Finding Affordable Villas

Utilizing Online Real Estate Portals and Websites

Start your search on reputable online real estate platforms, such as:

Zillow

MagicBricks

Housing.com

Use filters like price range, number of bedrooms, and property type to narrow results. Regularly check these sites for updates and new listings.

Engaging Local Real Estate Agents and Brokers

Working with local agents provides access to exclusive listings. Consider these tips when choosing an agent:

Experience: Look for agents with a solid record in the area.

Reputation: Read reviews and seek recommendations.

Local knowledge: Choose someone familiar with the neighborhood.

A competent agent can guide you through the buying process.

Networking and Leveraging Personal Connections

Inform friends and family about your villa search. Personal connections can lead to hidden opportunities. Join local community groups or online forums to expand your network further.

Negotiating the Best Price for Your Dream Villa

Understanding Seller Motivation and Negotiation Tactics

Gaining insights into a seller's motivation can be advantageous. Are they in a hurry to sell? Understanding their needs can help you shape your offer.

Preparing a Strong Offer and Making a Convincing Case

Prepare a compelling offer by:

Highlighting your ability to close quickly.

Providing proof of financing.

Showing flexibility with closing dates.

A strong proposal demonstrates commitment and seriousness.

Securing Financing and Finalizing the Purchase

Explore various financing options including:

Conventional loans: Good for buyers with solid credit.

FHA loans: Ideal for first-time buyers.

VA loans: Available for veterans with favorable terms.

Understand the full purchasing process, which includes obtaining a mortgage, completing inspections, and finalizing contracts.

Due Diligence and Legal Considerations

Conducting Thorough Property Inspections

Independent property inspections are crucial. They can uncover hidden issues, such as structural problems or pest infestations. Address any concerns before finalizing the sale.

Reviewing Legal Documents and Contracts

Key documents include:

Title deeds

Sale agreements

Disclosure statements

Seek legal advice to ensure everything is in order. This can save you future headaches.

Understanding Property Taxes and Associated Costs

Property ownership comes with costs, including:

Annual property taxes

Maintenance fees

Utility bills

Research these costs to budget effectively.

Tips for Maintaining Your Affordable Lakefront Villa

Budget-Friendly Landscaping and Maintenance Strategies

Consider these easy maintenance tips:

Use native plants for landscaping.

Perform regular upkeep like mowing and pruning.

DIY small repairs to save on contractor fees.

These strategies will help maintain your villa without breaking the bank.

Energy-Efficient Practices for Lower Utility Bills

Implement energy-saving measures, such as:

Installing energy-efficient appliances.

Using LED lighting.

Sealing windows and doors to reduce drafts.

These practices can lower monthly bills significantly.

Conclusion: Your Journey to Lakeside Serenity Begins Now

Recap the key strategies for finding affordable By The Beautiful lake villas. With thorough research, strong negotiation skills, and diligent attention to detail, securing the perfect property is within reach. Embrace the rewards of lakeside living and start your journey today. Your dream villa is waiting along Jigani Anekal Road.

Please Visit Website : 

[ross1245]

Essential Questions to Ask the Lender: Avoiding Common Pitfalls in Short Sales

Avoid common mistakes that kill short sales. Asking the right questions helps you build a foundation for a successful short sale transaction. Ask your seller’s lender:

1. Loan Type: FHA, VA, USDA, Conventional, Reverse Mortgage, HECM Reverse, Fannie Mae or Freddie Mac. This indicates how they will process the file and an approximate timeframe, the required documents, and whether they’ll want all the docs at once, or if they are going to review the financials first and then see the offer.

2. Is the loan current, delinquent, in active foreclosure, is there a foreclosure sale scheduled? This tells you how much time you have to get an offer, and helps determine eligibility and other approval terms. If the loan’s inactive foreclosure they have filed the foreclosure and you should ask if a sale date has been scheduled and the sale date. If it is within 45 days of the sale date and you have no offer, they probably will not open a file for review.

3. What is the mortgage balance? (or principal) — So they can verify that it is a short sale.

4. Who is on the mortgage? You will need this so you know who’s financials will be needed and who needs to sign documents.

5. Do they accept electronic signatures? Wet signatures are normally required but there are exceptions.

6. Do you have a short sale packet? Most lenders have there own forms. They are often referred to as a welcome packets, UBAF or Request for Mortgage Assistance (RMA) or Mortgage Assistance Application(MMA). These include financial work sheets (Income and Expenses) and eligibility qualifying questions.