VA Loan after short sale

The VA offers guaranteed home loans for eligible members and former members of our country's armed forces. These guaranteed loan programs are available through private lending institutions. Any FDIC bank or credit union is able to service the VA loan program. The guaranty from the VA is a promise to the private lender that the government is backing the loan in case of default or other unforeseen circumstances. This protects the lender from loss if the loan defaults therefor allowing for more favorable financing terms for the Veteran. This program often allows the Veteran to purchase their home for little or no money down but does not guarantee that a Veteran will receive a home loan. Their are credit history requirements for the VA Loan Program just as their are for the traditional home loan.

Before starting the VA home loan process the Veteran is required to have an Automated Certificate of Eligibility. This can often be obtained from their lending institution if they have access to the ACE database. This is a process that is easy to complete and can be completed via the internet. If the chosen lending institution does not have access to the ACE database, an eligibility certificate can be obtained through the VA Eligibility Center.

Once the borrower is deemed to be eligible for a VA Home Loan, the purchasing process proceeds as any other home purchase would. The loan process will require an appraisal but it is suggested that the Veteran have a home inspection done on the home as well. It is ultimately the purchasers responsibility to ensure that they are purchasing a structurally sound home. The VA can not force the seller to guarantee that the home being purchased is structurally sound or force them to later make repairs if the need arises.

If after purchasing a new home the Veteran finds that they are unable to make payments as agreed in the mortgage loan, the VA recommends calling the loan holder immediately. It is better to call the lender before the loan is delinquent as they are much more likely to work towards a resolution if made aware of the situation first.

The VA does offer financial counseling to help home owners avoid foreclosure and warns Veterans against letting someone assume their loan. If the Veteran decides to sell their home to avoid the foreclosure process, the VA Loan Guaranty Division suggests that the Veteran call their center in order to have the offer reviewed to insure that the Veteran is not being taken advantage of or entering into an unscrupulous agreement. By reporting such offers and allowing The VA Loan Guaranty Division to review the offer, the Veteran is taking the right steps to protect their best interests and helping the VA Home Loan Program stay strong by avoiding fraud.

 

VA Home Loans

VA Loans After Short Sale

medical marijuana

Ever want to do something fun and seemingly private, like grow a marijuana plant, but weren’t quite sure of the legality of your hobby? A Connecticut man in this precise situation did the ethical thing and inquired of his local authorities whether his marijuana was illegal– except the “local authorities” he contacted were 911, and he had the emergency officer on the phone for several minutes after answering the question “Is this an emergency?” with varying degrees of “not really.”

This the latest from Fox News, which aired what is quite possibly the least stressful 911 call ever recorded. When the dispatcher asks where the emergency was occurring, the caller casually requested, “let’s not get into that,” and, as mentioned, replied “well, not really?” He then proceeded to tell the dispatcher, “I was just growing marijuana,” described his plant as a “seedling,” and amicably replied “alright, thanks for the info!” once notified that he could, in fact, get arrested. And he did, several minutes after the phone call occurred. You really have to wonder if he was high when he made the phone call.

The report via Fox News (and the hilarious 911 call) below:

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Canna Cola: A Soda Spiked with Marijuana

Here I thought man could never top Four Loko and in rolls marijuana soda. A California artist has put the psychoactive marijuana ingredient THC (aka how you get high) into drinks and is now selling them at your local pot shop.

The 12 ounce bottle will run $10-$15 and comes in flavors such as original Canna Cola, Dr. Pepper-like Doc Weed, lemon-lime Sour Diesel, grape-flavored Grape Ape and orange-flavored Orange Kush. He's planning to sell his product along side medical marijuana which, of course, makes it completely legit. It's for medicine! When should we expect the liveblog again? [YumSugar]

Send an email to Casey Chan, the author of this post, at cchan@gizmodo.com.

medical marijuana

Bullet Proof Walls

Whether we're business owners, employees, volunteers or just family members trying to carry our load, we're all looking to do more with less. Get more done in less time, earn more money with less effort, get more benefits with less money...we're looking for the top ten if not the one thing that will just get 'er done so we move on to other things.

For businesses trying to establish an effective marketing plan the silver bullet has been perhaps more illusive than any other area of focus. We budget a percentage of our revenues, guess at a particular mix of appropriate media, and hope for the best. We don't know if we are going to get the results we desire until we get any results at all. With print, publish and distribution of printed media cycles, those results typically don't come back for days, weeks or even months at which point we evaluate the results and make changes as appropriate and go through another round. Throwing out lots of money to gain as wide exposure as possible in hopes that some small percentage will become customers, and trying to believe that over the long term good is being done. Something about this process just doesn't jive with the way we run every other part of our businesses.

For this very reason, internet marketing has become more and more important to a successful business marketing strategy. It's not that the internet is necessarily where your particular customers are to the exclusion of traditional media, as some would have you believe, (although several studies have shown that more people use the internet to shop for local purchases now than the phone book). It's not that someone who stumbles on your website is definitely going to buy something from you, although a study as far back as 2003 by the Yellow Pages Association reported this about their online Yellow Pages listings:

· 67 percent made a contact (73 percent of those contacts were by phone) after visiting · 64 percent made or intended to make a purchase (40 percent actually make a purchase) · 65 percent of purchasers were new customers.

Maybe by mixing a little of the new with the tried and true, you can significantly improve your marketing effectiveness...

It's no secret that nearly 2/3 of internet users are now connecting via high-speed connections. They are using their now "always on" service for everything from a phonebook to an encyclopedia, from validating their view of the world to staging debate, and from product research to comparative pricing. Finding our niche as a business on the web is increasingly as daunting as the need to be there is nagging. Where is a business to start?

Start with the familiar; your own experience: your successes, and yes, your disappointments. List your customers, and list your products. Sort them in order of profitability. Who are your best customers in terms of profits? Which products provide the best revenue? Look for patterns. Size, price, frequency, industry, geography are a few of the logical ones, but even things like seasonality, what day of the month, of the week or even time of day transactions are completed, can all be valuable information in determining some direction and priority. This sort of exercise can be done with nothing more than pencil and paper; piece of cake. You know it like the back of your hand.

Now use the internet to work some magic for you. You have a time machine at your disposal that can speed up the entire process to lightning-like efficiency.

Take your findings from above and do some testing. Online advertising is so inexpensive you can use it to test ideas. You can get results in hours (even minutes) and use these results to develop your strategies. Expose your most profitable products and services to those that, by your experience, are most likely to benefit from them. Monitor the results and make adjustments. If you're not set up to actually sell products online, gather information, offer white paper, coupons, educational material; establish a connection, create a dialog. Even if you have no intentions of ever (you know that they say about never) selling your products/services online, you can gain the advantage of having more of the single most significant business resources at your disposal. Customers.

Whether you consider the entire planet as your market or you serve only a 3-block radius, you can be sure your customers are online. If you don't have an effective internet strategy and even just one of your competitors does, you have lost an important touch-point and the opportunity to become, or remain, the provider of choice.

Silver Bullet? You decide. Important for your success? No contest.

Visit John Geiger's website at http://www.webmasters-wsi.com