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How to get a VA home loan

If you have served in the military in the past or you serve currently, you are eligible to get a VA loan for your primary residence. Remember that VA loans make home ownership quite affordable. To get this particular loan, you must comply with the required application process.

What are VA loans?

tgwedfc6yhwed82iokl2Federal Department Of Veterans offers VA loans for people that are currently serving the military or served it in the past. You should note that they do not give money for these loans. Instead, they guarantee your loans you seek from private lenders. This makes it quite possible for the veterans to buy a home with a deposit and even negotiate mortgages at low interest rates. Moreover, you can use these funds to refinance the property, which you bought under VA loans program. You can also use VA loan to purchase specially adapted properties if you have service related disabilities.

Tips to get VA loans

Certificate of eligibility

If you are currently serving in the military, you should get a statement of service from your commander or personnel office. This will show the type of applicant you are. Also, it will provide useful details such as date of birth, social security number, the name of the applicant, and much more. If you are a Veteran who is no longer in military service, you need to have your service record.

Select your property

You should start looking at appropriate properties to purchase. However, VA loans do not have limits on the amount you can borrow for your primary residence; they do not assume liability for the mortgage amounts that are above your entitlement. The basic entitlement is just $36, 000. However, it is not the maximum. Your property location determines the maximum amount of the loan. You can contact a loan specialist who can help you know the amount you qualify for.

Contact VA loan specialist

This professional can help you in different ways. For instance, he or she can help you get the best interest rates. Even if you have poor credit, he or she will make the process quite easy.

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Apply to the lender

After finding a reputable home, you should apply to a financial institution that accepts VA loans. You will be required to submit the Certificate of Eligibility when seeking a loan. Also, you will be required to provide a Statement of Service. This will serve as a verification that you are in employment. If you are a veteran, you may be required to provide proof of other sources of income.…

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Tips for improving your credit

Troubling financial problems happen in life to many families and individuals. To solve the crisis, it is necessary to have an action plan, which you can follow in resolving the situation. Moreover, you need determination and patience. Over time you can improve the credit score and be on the path to financial stability.  The following are ways for improving your credit.

How to improve your credit

Debt merging

tg23wedfc6yhwed82io22This can be a good idea for you. In this case, you are taking a loan, which enables you to repay your debts to several creditors at once. You can obtain this loan from a financial institution. This means that you have a single loan remaining. It is advisable to contact various financial institutions about this particular type of loan. Remember that interest rates that are provided by financial institutions can be quite different.

Study the credit report

This is necessary to know the items, which you should pay. You should note that credit reports contain the history of the way an individual has been paying his or her bills and the amount of credit one has. Moreover, it contains other things that can affect one’s creditworthiness. Remember that a credit score is just a judgment about one’s financial health at a particular point in time.

Consumer agencies and banks that are considering an individual for a loan will need to check one’s credit history. Relevant credit reporting bureaus calculate the credit score. You are required to pay a certain amount of money. If you suspect that your credit score requires improving, you may want to know it. Moreover, if you are planning to get a loan, you will need to know it.

Work with creditors

tgwedfc7jwed98ik22You can make contact with the creditors to arrange payments to them. The majority of creditors allow you to arrange a payment plan. Ensure you only commit to a payment plan that you can afford. In this way, you can relieve financial stress on you. In this way, you can reduce your debt consistently. This is a good solution that can benefit both you and the creditor.

Budget

One of the ways to improve your credit score is by saving money. You can use the saved money to clear your debts. This is because the main goal should be getting out of debt as soon as you can. There is a need to afford your debt repayment plan.…

My Multiple Incomes | The Multiple Income Stream Blog

My Monthly Income Stream Report – Septemeber 2011

It’s time for another monthly income stream report here at My Multiple Incomes. Thank you to everyone who has supported me this far, and I really appreciate all of your comments and questions each month!

Important Happenings in September

I started my first Newsletter here at My Multiple Incomes, and I hope it gains some traction. If you haven’t already done so, please sign up on the sidebar to your right! I promise I won’t spam you, but I will send out some great stuff that can’t be found on this site.
At The College Investor, I also started a weekly recap newsletter that has all of my current happenings, as well as some extras thrown in. If you’re like me and don’t have time to visit every site you may want to, it is a great way to keep up and get some special content.
For traffic, The College Investor remained pretty flat compared to August, while My Multiple Incomes continued great steady growth. I had some nice pillar articles posted at the site, and I incorporated a “New Here” sidebar widget to highlight my best posts. It seems to be paying off as a lot of new visitors are finding the widget useful.

Multiple Income Sources

Investments:
Dividends: $162.89
Websites:
The College Investor
Private Advertising: $833.00
CPC Ads: $59.03
Affiliate Networks: $60.00
My Multiple Incomes
Private Advertising: $80.00
CPC Ads: $7.56
Niche Site #1
CPC Ads: $17.82
Freelance Writing: $315
Gross Total: $1,535.30
Difference from August: +$222.06

What I Learned

I was really happy to see my income improve over last month, although it was partially due to some freelance writing I did. I want to highlight the power of networking in finding that freelance writing gig, because it was actually another blogger who referred the customer to me, as they were overwhelmed with other work! I appreciate this, and this person knows who she is. As a side note, this gig is ongoing, and so I hope to continue to post renewed amounts in this column going forward.
Another fun thing happened last month – My Multiple Incomes became profitable! It is always a fun time when a website you’ve developed goes from red to black, and that happened with the income earned here last month. I couldn’t have done it without continued readership, so thank you.
If you didn’t see it on Twitter, you missed out! California Amazon Associate Affiliates are able to create new accounts and begin making affiliate income again! I’m excited to get this income stream back, and I hope it continues to earn me some revenue going forward.

Readers, I love to hear your thoughts and questions!

Tags: advertising, Amazon, blogging, cash flow, freelance, multiple incomes, side income, website…