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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.
FEBRUARY 2006
Free Tax Help for Military Personnel and Families!
The Armed Forces Tax Council (AFTC) consists of the tax program coordinators for the Army, Air Force,
Navy, Marine Corps, and Coast Guard. The AFTC oversees the operation of the military tax
programs worldwide, and serves as the main conduit for outreach by the IRS to military
personnel and their families.
Marines, airmen, soldiers, sailors, and guardsmen, and their families worldwide get tax
preparation help at offices within their installations. These VITA sites provide free
tax advice, tax preparation, and assistance to military members and their families.
They are trained and equipped to address military specific tax issues, such as combat
zone tax benefits and the effect of the new Earned Income Tax Credit (EITC) guidelines.
The military tax programs generated over 392,000 electronic 2003 federal income tax returns.
Commanders support the program by detailing service members to prepare returns and by providing
space and equipment for tax centers. The IRS supports these efforts by providing tax software and
by training service members to prepare taxes at the military sites.
Most service members file their tax returns electronically at their tax centers and,
by selecting direct deposit, receive their refunds in as little as one week. This combined
effort ensures that service members receive free tax assistance from well-trained and
equipped military tax preparers.
Source: http://www.irs.gov/individuals/military/index.html
Healthy Real Estate Market Moves Ahead
Home sales set a new record in 2005, capping five years in a row of ever-higher sales.
Low mortgage rates and strong demand have allowed many households to buy property, and then see
its value grow rapidly. Last year average home prices rose by close to 13 percent, says the
National Association of Realtors. Economists expect to see better balance between the
numbers of buyers and sellers in the future.
Continued moderate mortgage rates will keep housing demand steady nationally. Sales are
forecast to remain at healthy levels, while prices will go up at a slower rate than in the past.
Yet that still means home values should advance at a faster pace than inflation. Owning a house
remains an attractive long-term investment. Buying a house soon also can help you enjoy
life to the fullest. Let us show you why so many consumers have found it easy to purchase
a great home in recent years.
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.
Online VA Gravesite Locator Exceeds 5 Million Names
Search for burial locations of veterans and their family members in VA National Cemeteries,
state veterans cemeteries, various other military and Department of Interior cemeteries,
and for veterans buried in private cemeteries when the grave is marked with a government
grave marker.
The Nationwide Gravesite Locator includes burial records from many sources. These sources
provide varied data; some searches may contain less information than others.
Information on veterans buried in private cemeteries was collected for the purpose of
furnishing government grave markers, and we do not have information available for
burials prior to 1997.
Source: http://gravelocator.cem.va.gov/
Smart Choice
If you're buying a home - or think your current home loan isn't providing the benefits you need - take a moment to call us soon. We can schedule a free, no-obligation meeting to go over your home loan options.
You can rely on us to clearly inform you about the fees, interest rate, and monthly payments on different mortgages. We'll show how your payments could change in the future, as well.
With an adjustable-rate loan you'll need to know when your monthly payments could go up, and the highest amount they could ever reach. Together we'll identify a mortgage you'll be pleased with as long as you live in your home.
Reach Your Goals
Few activities are as rewarding as setting and achieving a personal goal. Here are some ideas from the Harvard Health Letter to make your goal-setting more effective:
- Limit the number of goals you have. Trying to improve every aspect of our lives at once can be overwhelming. Often we'll make more progress with a series of smaller steps.
- Make sure your goals are specific, and measurable. A vague goal, such as, "I want to be a better spouse" may not be that helpful. It's then easy to convince ourselves that we've accomplished something when perhaps our behavior hasn't really changed. But scheduling time regularly to do something for our spouse can be a specific step to take.
- Try not to raise the bar too high. We may think we'll accomplish more by setting aggressive goals - but that can become a blueprint for failure.
- Be certain you buy into the goal. Often we'll set a goal for ourselves based on the expectations of others, rather than identifying what we really want to accomplish.
- Set up a concrete plan for achieving your goal within a set time frame. Our goals should be attainable, and that means we can identify steps that will lead us to accomplishing those objectives.
High performance then becomes a habit. Identifying and implementing ways to move towards our ideals always produces results.
What's New?
High ceilings are popular with buyers now, report home builders. Many rooms in new houses will have ceilings nine feet high - or taller.
But no matter what you want your next house to look like, we're ready to help you make that important purchase. We'll find out your financing preferences, and work with you to obtain a mortgage that lets you reach your goals.
Remind your friends and co-workers that we're available to assist them, as well. We'll handle all the details, so you can focus on finding and moving into the home you're dreaming about!
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