Your Guide To The VA Home Loan

Consider this: a mortgage program offers certain Americans a home loan with a zero down payment and no private mortgage insurance requirement. In addition, closing costs are limited and if the home is newly constructed, the builder must supply the buyer with a one-year home warranty.

Despite the obvious perks of the program, only 10.5 percent of the nation’s nearly 22 million veterans take advantage of this aspect of their Veterans Administration benefit offerings. When asked why, 33 percent of those who responded said they were completely unaware of the benefit, another group said that they went with the FHA loan because they assumed it was “easier” to obtain.

Obviously, the VA could be doing a better job informing (especially young) members of the military, veterans and surviving unmarried spouses about the VA home loan and the mortgage industry could be doing a whole lot more to get the word out. So, today we’ll take a look at the program and learn why it may just be the best loan product on the market.

Remember, we aren’t VA, mortgage or financial experts, so consult with the appropriate professional should you have any questions regarding the VA home loan program and its benefits. villa

The basics of the VA home loan program

V.A. home loan

Like the Federal Housing Administration (FHA) program, the U.S. Department of Veterans Affairs doesn’t actually make loans, but offers lenders a guaranty, if the veteran defaults on the loan. Should this happen, the VA will pay from 40 to 50 percent of the balance of the loan (the percentage depends on the size of the loan).

As you can imagine, this promise enables lenders to relax when faced with a borrower who may have little or less-than-perfect credit and a lower-than-average income.

So, what can you do with the VA home loan program?

Buy a home (a condo, too, if it’s in a VA-approved community)
Build a home
Simultaneously buy and rehab a home
Buy a lot and/or manufactured home
Is the VA loan harder to qualify for than the FHA loan?

No-one quite understands why so many current members of the military and veterans assume that the FHA loan is easier to obtain. Although there are additional steps you’ll need to take when pursuing a VA loan, they are quick and somewhat easy (if you have the right lender).

To qualify, you’ll need to say “yes” to at least one of the following questions:

1. Were you on active duty for at least 90 consecutive days during wartime?
2. Have you served at least 181 days of active duty during peacetime?
3. Have you served in the National Guard or Reserves for more than 6 years?
4. Are you a widower or widow of a military service member who died either in the line of duty or as the result of an active-duty service-related injury or disability?

How A CPAP Machine Can Boost Intimacy

Can a CPAP Machine Boost Intimacy?

If you’re affected by sleep apnoea, you’re probably already aware of CPAP (Continuous Positive Airway Pressure) machines. They offer an effective treatment therapy for relieving sleep apnoea. The only problem is that people have the mistaken impression that it’s a complete romance-killer in the bedroom.

Why Would People Think That the CPAP Machine is a Romance-Killer?

Its prominent head piece is the key reason why anyone may consider this machine to be unsuitable for the bedroom. Having it on will present a challenge when you do want to get up close and personal with your partner.

Unfortunately, due to this perception, quite a number of sleep apnoea patients fail to use the machine consistently. Some of them don’t even use it at all.

Indirect Benefits to Your Romantic Life cpap pressure settings

Contrary to common perception, CPAP therapy would be highly valuable to your romantic experience, both directly and indirectly.

Indirectly, the therapy will contribute to your improved physical health and wellbeing in general. This is bound to boost your ability to comfortably manage day-to-day activities, including intimate moments with your better half.

Considering that sleep apnoea is linked to several major health problems, including stroke, obesity, high blood pressure and heart disease, your overall health would certainly benefit greatly from CPAP therapy. By undergoing treatment, you would drastically reduce the risk of developing such serious health problems, which will help you become more physically fit.

Obviously, an obese figure isn’t too appealing; hence, getting rid of the belly fat will certainly go a long way in boosting your marital affairs. Moreover, high blood pressure has the potential of incapacitating your ability to perform in bed; therefore, reducing the risk of such an ailment will greatly enhance your love-life.

Direct Benefits of CPAP

The most obvious and obnoxious thing about sleep apnoea is the related loud snoring. This is the last thing your partner would want when you’re cuddling up together in bed. That would definitely ruin the intimate and romantic atmosphere in bed.

Furthermore, based on a study published in The Journal of Sexual Medicine, there seems to be a link between sleep apnoea and a man’s erectile dysfunction or a woman’s loss of libido. This is due to deprivation of such hormones as testosterone, occasioned by chronic sleep deprivation experienced by people affected by sleep apnoea.

 

Health Care Reform Made Simple

My name is John Ross and I have spent my entire 40 + year career in health care. Specifically, my background and experience is in developing and managing evidence planning, reimbursement applications, and health economics strategies for a number of fortune 500 health care technology businesses. In short, my job was to help the companies that I worked for to understand the health care market place from three important perspectives. The first was to answer the question; “What can we expect to be paid for the medical technologies we are developing and planning to market? The second question; “will the results and/or lower costs associated with the use of these medical technologies justify the payment level we think they deserve? Finally, what product development, marketing and sales strategies do we need to employ to insure that our future medical technologies are quickly accepted by hospitals, physicians, payers and patients? Obviously with such a focus I had to deal with Medicare (health insurance for folks over age 65 and the disabled), Medicaid (state-run insurance programs for the less fortunate) and commercial health insurance companies (the companies that insure and administer employer-based health insurance plans). I also spent a lot of time assessing the needs of physicians, hospitals and large integrated health care delivery networks that purchase and use a wide array of medical technologies.

From a funding standpoint I have seen America’s health care system go from almost “anything goes” to today’s increasing focus on cost and outcomes. Outcomes, is just another way of asking the question; “for the dollars we are spending nationally or on a particular patient’s disease or injury are we getting a good value in return? In other words, is the price of the drug, medical device, procedure, diagnostic or surgical intervention worth the cost in terms of better results and lower costs compared to how we would traditionally manage this patient’s condition?

 

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