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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.
MARCH 2004
Your Mortgage and Retirement Planning
Homeowners approaching retirement often have different mortgage needs than younger households do.
One key question is whether you should make extra mortgage principal payments to reduce that
debt, or put more funds into a retirement account. If you believe you can achieve investment returns that are higher than your mortgage rate,
you should consider putting extra funds into your retirement account, rather than paying
off your home loan. Your choice of a mortgage also can increase your funds available for
investing.
For example, if you recently obtained a VA home loan in the last twelve months, you should
check with us to see if you could get a lower rate by doing a VA streamline refinance
(rate reduction) at www.valoan.com/ratereduction.cfm.
You may be able to cut your monthly housing expense by refinancing into a lower rate.
You may even want to move to a 15 year and payoff the loan years before it would have been
due. You'll then be able to invest thousands of dollars more each year in your retirement account.
We'll help you calculate whether refinancing into a VA Rate Reduction loan makes sense for you.
We'll determine if your lower payments will make up for the cost of refinancing over the time
you expect to be living there. The number of years until you retire, how long you plan on
staying in your house, and your risk tolerance all are factors in making these choices.
Feel free to contact us to discuss whether your home loan is helping you reach your
financial goals.
VALoans.com to Promote Veteran Web Sites
In the coming weeks, VALoans.com will be creating a veteran link directory on our web site.
Our visitors will use it to find products, services and information for veteran-related
industries and topics. We invite you to submit your web site for inclusion in the directory,
and in return, would appreciate a reciprocal link to VALoans.com. To get started, please
click here or
email us at assistance@valoans.com (put "Link Exchange Request: VALoans.com" in the subject line).
You Win!
Home prices went up around eight percent in 2003, says the National Association of Realtors (NAR).
Someone with a house worth $250,000 last January on average would've ended the year in a home
worth $270,000. House values are expected to rise 4.6 percent this year, NAR adds. Yet price
inflation on all goods and services is forecast to advance just 1.6 percent in 2004.
Making a purchase means you'll benefit from the traditional pattern of increasing home prices.
You also receive tax benefits and lifestyle enhancements when living in your own house. If you're
planning on buying a house soon, we'll show you how different mortgages would work for you,
and then pre-approve you for a home loan. Also remind your friends, co-workers, and relatives
that we can help them obtain great financing today!
The GI Bill Can Change Your Future.
We have partnered with the following schools and service providers. Visit their content centers and
fill out an instant inquiry to receive more information!
DeVry University
DeVry University offers flexible scheduling and the convenience to study at any of 80+ locations, online or a combination of both. Earn a respected associate degree, bachelor’s degree or master’s degree from an accredited university.
Westwood College Online
Westwood College’s online program offers you the flexibility you need to earn your degree when and where it’s most convenient. Degree programs include business, criminal justice, design and technology.
Colorado Technical University Online
At Colorado Tech Online, you can earn a career-relevant degree in just 15 months. Every CTU Online degree includes multiple Professional Certificates without additional courses or cost. Learn more today.
Capella University
As an accredited university with online degree programs in five schools, Capella University is committed to helping you accomplish your goals through a high-caliber educational experience.
Strayer University Online
Strayer University Online offers degree programs designed to fit your busy schedule. Attend real-time courses via the Internet, or complete coursework at times most convenient to you.
Walden University
Balance your personal and professional commitments while earning a respected Ph.D., master’s degree, or bachelor’s degree online at Walden University. Programs offered in management, education, psychology and health and human services.
American Military University
American Military University’s online programs can prepare you to succeed in a civilian or military career. Choose from more than 50 Associate, Bachelor’s and Master’s degree programs.
Kaplan University
Advance your career and get the distinct competitive advantage you need with an online degree from Kaplan University. And do it without missing a day of work.
University of Phoenix
As a regionally accredited university, and a long-time member of Service members Opportunity Colleges (SOC), University of Phoenix is approved by all branches of the military for tuition assistance and is approved for veterans training.
South University
South University enjoys a long-standing tradition of excellence in education and personalized student attention. Enjoy the convenience of earning your bachelor’s degree entirely online.
AIU Online
Earn your Associate’s, Bachelor's completion—even an MBA—from the comfort of home at AIU Online. Choose from career-track programs such as Visual Communication, Information Technology and more.
The Art Institute of Pittsburgh -- Online Division
Whether you’re just starting out or are a seasoned professional, you can jump-start your career with an associate's or bachelor's degree from The Art Institute of Pittsburgh -- Online Division.
Everest University Online
Expand your career horizons with an online degree from Everest University Online. Balance work and family while you study for your Associate’s, Bachelor’s, or Master’s degree.
Virginia College Online
Earn your associate's, bachelor’s or master’s degree from Virginia College Online. Our extensive programs are offered 100% online, so you can launch the career of your choice from the comfort of your own home.
Grand Canyon University
Grand Canyon University is currently offering programs through our Online Campus in our College of Education, Ken Blanchard College of Business, College of Nursing, and College of Humanities and Social Sciences.
Grantham University
Looking to advance your career or enhance your professional skills? Earn your degree online at Grantham University. Programs include Business Administration, Criminal Justice, Computer Science and more.
Jones International University
Earn a high quality degree in Business, IT, Education, or Communications. Jones International University® offers self-paced bachelor’s and master’s degrees tailored to your needs.
Ellis College
Take your career to the next level. Ellis College offers customized, flexible online degree programs for busy working professionals like you.
Baker College Online
Pay less than half the tuition at Baker College Online, a fully-accredited and highly-respected online school. Click to learn more about the over 30 programs.
Veterans Need To Be Aware of Identity Theft
How can someone steal your identity? Identity theft occurs when someone uses your personal
information such as your name, Social Security number, credit card number or other identifying
information, without your permission to commit fraud or other crimes. Identity theft is a serious
crime. People whose identities have been stolen can spend months or years - and their
hard-earned money - cleaning up the mess thieves have made of their good name and credit record.
In the meantime, victims may lose job opportunities, be refused loans, education, housing or cars,
or even get arrested for crimes they didn't commit.
If you think your identity has been stolen, here's what to do now:
- Contact the fraud departments of any one of the three major credit bureaus to place a
fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any
new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms
your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts,
and all three credit reports will be sent to you free of charge.
Equifax - www.equifax.com
To order your report, call: 800-685-1111
or write: P.O. Box 740241, Atlanta, GA 30374-0241
To report fraud, call: 800-525-6285
and write: P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call the Auto Disclosure
Line at 1-800-685-1111 to request a copy of your report.
Experian - www.experian.com
To order your report, call: 888-EXPERIAN (397-3742) or write:
P.O. Box 2002, Allen TX 75013
To report fraud, call: 888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
TDD: 1-800-972-0322
Trans Union - www.transunion.com
To order your report, call: 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022
To report fraud, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
TDD: 1-877-553-7803
- Close the accounts that you know or believe have been tampered with or opened fraudulently.
- File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
- File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you. For more in-depth information on recovering from identity theft and help with specific problems, read ID Theft: When Bad Things Happen to Your Good Name http://www.ftc.gov/bcp/conline/pubs/credit/idtheft.htm
Source: www.ftc.gov
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