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Video instructions and help with filling out and completing how to make an offer on a house with a va loan

Instructions and Help about how to make an offer on a house with a va loan

It was gonna wish your boy Dez and a lot of you guys have been asking about you notice that how the VA loan process works so that's what this videos are going to be about how to get a VA loan first thing first you gotta make sure that you're eligible and if you've been in the Army for more than 90 days active duty or reserve your ass is good if you're a spouse like you're you know I'm saying your husband your wife died you're still also eligible as long as they were in an army or in the military front what in 90 days alright so the first thing first is they gonna ask you a bunch is credit score so before they ask you I would advise you if you haven't already if you already don't do that to see what your credit score is you're gonna have a 655 score in order for you to be eligible if you don't have a 600 don't worry about that alright just at least know where you are alright and you're gonna build that up I also do another video or on my added to this one how to build your credit up and I'm saying this because I had to do it now what you guys don't know even though we did get the house I actually put the loan in a long time before we you know even got accepted because when I did try it my credit score wasn't good enough so what I did I went to a create a credit specialist and I want to say credit score calm I think that's what hello yeah I think was credit score calm and I think I paid $100 a month and they pretty much clean my credit up so all that old stuff I had from 6-7 years ago that I pay it off they had a zero balance all that stuff they sent documents to the the credit lenders and they clean my stuff up so I went from a a six something I had a 618 to a 675 in almost three months that's how much they're so like the money spend that money a month was it was a no-brainer you know I'm saying it definitely helps so number one credit score alright and you baby if you can 650s and number that you want okay 650 it is gonna take some work don't worry about it if you want to know how the VA loan differs from the civilian side first of all there's there's the APR which is the annual percentage rate is way lower then like getting it from a bank getting a loan from a bank or anything like that the VA loan is specifically for soldiers and they know we all make a lot of money you know exams big work with us what I did like is when I applied for the loan

FAQ

I want to make an offer on a house. How do I figure out my bidding price?
There are a number of factors that will play into what you bid for a home. The first is the market you are operating in. In the market that I work in (Greater Boston Suburbs) we have seen homes this spring, and through the fall market have multiple bidders. In this case a home is clearly priced correctly or underpriced in the market and you will probably have to bid at or above the asking price to 'win'. If the home has been on for a while the reason is usually because the owner or real estate agent has over priced the home. If this is the situation you are facing you need to do you research - look up comparable properties that have sold in similar locations with equal conditions and/or upgrades. Try to develop an understanding of the market so that you can determine the fair price for a home that will protect your investment. Once you have decided what you believe is the fair market value for the home you can choose to bid that price and say take or leave it, or you can bid under that price in order test where the seller's stand. In any negotiation there are risks of 'offending' the seller, particularly in real estate where a seller is emotionally attached to a home - this can tank a negotiation or lead to hiccups later in the process. Whatever you decide to do, be resolute in not bidding above a fair market price. I also recommend finding a real estate agent who has extensive knowledge of the local market with whom you can speak in order to determine the fair value of the home. In addition, most agents have extensive negotiation experience. Though, if you do decide to go at it alone the best thing you can do is educate yourself.
How does one get invited to the Quora Partner Program? What criteria do they use, or is it completely random?
I live in Germany. I got an invite to the Quora partner program the day I landed in USA for a business trip. So from what I understand, irrespective of the number of views on your answers, there is some additional eligibility criteria for you to even get an email invite.If you read the terms of service, point 1 states:Eligibility. You must be located in the United States to participate in this Program. If you are a Quora employee, you are eligible to participate and earn up to a maximum of $200 USD a month. You also agree to be bound by the Platform Terms (https://www.quora.com/about/tos) as a condition of participation.Again, if you check the FAQ section:How can other people I know .participate?The program is invite-only at this time, but we intend to open it up to more people as time goes on.So my guess is that Quora is currently targeting people based out of USA, who are active on Quora, may or may not be answering questions frequently ( I have not answered questions frequently in the past year or so) and have a certain number of consistent answer views.Edit 1: Thanks to @Anita Scotch, I got to know that the Quora partner program is now available for other countries too. Copying Anuta’s comment here:If you reside in one of the Countries, The Quora Partner Program is active in, you are eligible to participate in the program.” ( I read more will be added, at some point, but here are the countries, currently eligible at this writing,) U.S., Japan, Germany, Spain, France, United Kingdom, Italy and Australia.11/14/2018Edit 2 : Here is the latest list of countries with 3 new additions eligible for the Quora Partner program:U.S., Japan, Germany, Spain, France, United Kingdom, Italy, Canada, Australia, Indonesia, India and Brazil.Thanks to Monoswita Rez for informing me about this update.
How long do you have to wait before you can rent your house out if you financed it with a VA loan?
VA Loans are not designed for rentals, however things happen and sometimes you need to rent the home, especially if you are Active Duty and you are required to move. So as far as the occupancy requirements, you are required to occupy the home within 60 days, but there is not a certain amount of time you have to live in the home before renting it. Now as mentioned before, if you a purchasing the home with the purpose of making it a rental, that goes against VA guidelines and they will not allow it.
What are good hacks for traveling with babies / toddlers on long flights?
Thanks for A2A.LONG POST ALERT :)We took our daughter to India from USA when she was close to one year and the total travel time was 24 hrs. We carried a diaper bag, hand baggage, laptop bag, my handbag and a baby carrier. Diaper bag: We had everything that we needed to access easily. (5 diapers, wipes of all kinds, diaper cream, ready to drink milk, few ready to eat food pouches, a change of dress for my daughter, socks, baby bottle, liners, sippy cup for water)Laptop Bag: Along with laptop we had a few books for my daughter to entertain her and few ready to drink formula milks.My hand bag: apart from my personal belongings I carried mobile chargers and all our passports / tickets , pens etc..Hand baggage : Few change of clothes for my daughter (in case of any accidents), change of clothes for me and my husband. Extra diapers, more food and more milk.Baby carrier was so helpful. With all the carry on luggage we had and a sleeping baby, it made our transits much easier. It definitely was a life saver.Things you need to expectFirst of all, it is going to be a long day and a half. Prepare your mind for that. Babies will cry or be cranky or sleepy. Keep your fingers crossed for a sleeping baby. (Mine did. also other kids who traveled that day with us did) Most of the time for the ambiance in flight and the white noise kids sleep. They mostly wake up for soggy diaper, hunger or to play. Whenever my daughter was awake I took her for a walk. She seemed so happy.Flight pressure causes ear ache. They don't know what it is and will cry. Feeding her during take off and landing will help relieve them from ear ache. If she uses pacifier, give her one. My daughter used one and we clipped her paci to her dress. Dress her for easy and mess free diaper changes. I dressed my daughter with a full hand onesie,  Baby leg warmers (thigh socks that goes on individual legs) and another layer of sleeveless dress. She looked adorable :)Things you need to have handy:Lots of diapers, wipes, cream, disinfectant wipes (believe me they lick and bite everything around them) and hand and face wipes. Inside diaper bag I had a ready to use DIY diaper kit. I just used a small crib sheet pouch/ bag  and kept 2 diapers, wipes, diaper cream in that. So every time I need to change my daughter's diapers I just carried that instead of carrying each item individually or carrying the whole diaper bag in to the lavatory. This made the diaper changing experience much easier.Baby food, formula milk and snack (Do not rely on airlines food). Lots of different kinds of snack that does not get messy when you give it to your toddler's (crackers, m&m's, chips). I kept them in a snack size ziploc.For Baby Bottle we used ventaire. So we had one bottle in diaper bag another in hand baggage. I bought extra nipples and Disposable Baby Bottle Liners. Every time she wanted milk, I just changed nipple and liner and gave her. This saved so much time, mess and insanity. I did not want to wash baby bottles in public also din't want to carry a dozen.Few notes:Babies will have Jet-lag but that's something we can deal with after they arrived destination. During flight try to feed in her regular schedule also if she sleeps let her. Also  don't insist too much on her quantity. We don't want a sick baby in flight.Remember to keep all food and drink in one place, it will be useful during security. Do not mind using electronics. Load your mobile phone / tablet with her favorite rhymes or TV show and appsDo not feel shy to ask for help.And finally do not worry about what others would think if baby cries. Most people understand that these things happen.Hope this helps. Happy travelling :)
How can I make it easier for users to fill out a form on mobile apps?
I’ll tell you a secret - you can thank me later for this.If you want to make the form-filling experience easy for a user - make sure that you have a great UI to offer.Everything boils down to UI at the end.Axonator is one of the best mobile apps to collect data since it offers powerful features bundled with a simple UI.The problem with most of the mobile form apps is that they are overloaded with features that aren’t really necessary.The same doesn’t hold true for Axonator. It has useful features but it is very unlikely that the user will feel overwhelmed in using them.So, if you are inclined towards having greater form completion rates for your survey or any data collection projects, then Axonator is the way to go.Apart from that, there are other features that make the data collection process faster like offline data collection, rich data capture - audio, video, images, QR code & barcode data capture, live location & time capture, and more!Check all the features here!You will be able to complete more surveys - because productivity will certainly shoot up.Since you aren’t using paper forms, errors will drop significantly.The cost of the paper & print will be saved - your office expenses will drop dramatically.No repeat work. No data entry. Time & money saved yet again.Analytics will empower you to make strategic decisions and explore new revenue opportunities.The app is dirt-cheap & you don’t any training to use the app. They come in with a smooth UI. Forget using, even creating forms for your apps is easy on the platform. Just drag & drop - and it’s ready for use. Anyone can build an app under hours.
Do you regret your marriage, and why?
Yes and i regret that a lot, every single day i wake up, this is the first thing on my mind…worst part is that i am trapped in this marriage because of the female centric laws in my county.I am a 31 yr old guy working with in a PSU. Two years back i married this beautiful girl from my hometown who was working in the IT industry. Her father is a very powerful bureaucrat while my father is a retired govt. officer.There were differences in family values and upbringing in our families, but due to the pressure of my family i gave in and yes now i realise that was the biggest mistake of my life and one that cant be undone now.Since the girls family is extremely affluent, the marriage was a lavish affair, though there were no dowry asked as i had already purchased every thing already well before my marriage.2 months into our marriage, we went for a lavish honeymoon in Europe which costed me a bomb, but since i like travelling and my father gave me 4 Lakhs for same, i was happy about the whole thing.In Europe on day 1 only, my purse was stolen which was having all debit/credit cards and i was left at the mercy of my wife’s debit cards. This was the first time i saw a different kind of attitude in her eyes on matters of money. Eventually, we swiped around Rs. 22K from her ATM. Later i could use online banking to transfer money from my account into hers and we swiped around Rs.60K from her ATM after i transferred the same from my account into hers. All other expenses like hotel/flights/Eurail etc i had already taken care while in India, so we enjoyed a lot..Life was all rosy then barring her occasional mood swings.My parents lived in a different city so they used to come to visit us every 3–4 months. During one such visit, my wife (lets call her A) fought with me asking me to break all my relations from my mother. I was stunned at the suddenness of it and told her that this is not happening and both of you would have to live together. Till then ( and even today) she has had no confrontation with my mom, directly or indirectly. It was during this fight only, she told me that they have video proof against my mother accepting dowry from her parents. I was totally unaware of this.when i inquired about the same from my mother, i came to know that the payment for venue/ catering etc was done by my mother and they had given that amount to my mother in their house as her mother feared carrying all that money by her own. ( Now, it may sound unbelievable at first, but now that i have come to understand my sadist and manipulative MIL, i know it was easy for her to dupe may parents in all her flowery language and they made a video of it).I fail to understand who makes such videos even before a marriage is yet to start….Anyhow, we moved ahead after that fight…with each passing day i realised that my wife and all her family especially my MIL are extremely money centric and the only thing important in their lives is how many FDs, RDs, bonds and shares etc they have. I was earning three times my wife but was made to feel a lowborn before her as she was saving almost her entire salary and i was saving a very little part. This was because i was taking care of my retired parents, my younger brother’s studies and our own household expenses in addition to gifting jewelry etc to my wife on every possible occasion while she continued to live like as if it was only my responsibility to take care of all expenses. I never asked for any part of her salary and her love for money which borders crazyness, made sure that i didnt.To be fair, i also think that you should save nicely and spend wisely, but only saving at the cost of basic life’s necessities is something i cant swallow.As if this was not enough, she began pestering me to purchase a house in our city. We searched for six months for a decent house, but buying a house in a city as costly as ours, even after i had decided to take loan from my company and additional second charge loan from a bank, was becoming difficult. So after six months i gave up and said lets look for a house in Noida. The next day my MIL calls me saying that she can pitch in around 15L on a returnable loan basis, but i should buy a house in our city only. I resisted the same, but finally after a lot of persuasion i agreed. ( i was taunted that i had no intention of buying house in this city, in the first place and all the while i was looking for a house in Noida as it was nearer to my hometown) . To be fair again, since this was a returnable loan and they are multi millionaires, i had no major issue.Finally we bought a house and this is the second mistake that i have done, as i had to take a loan worth almost Rs. 70L besides loan from my inlaws. Further, due to this loan i am now a captive of my company, as i can not leave my company before repaying this loan.Anyhow, she also switched 2 companies and was now getting a good pay package and we were doing fine considering that she was paying 15K as partial EMI of one of my loans. This we had agreed before.While all this was happening, we were trying for a baby all along but pregnancy was not happening. Both of us got tested and were medically fit, but still pregnancy was not happening. The doctors advised her not to take undue stress, as it was not even two years into our marriage and both of us were perfectly fine, but she used to cry day in and day out for the same and i used to be her anchor support during all her mood swings/depressions arising out of this issue.My parents were also supportive but somehow my MIL was not at all supportive of her own daughter. She used to go to some pandit, tantrik, baba kinds for the same and used to give her a lot of stress on this topic. I was not particularly comfortable discussing all this with my MIL and told her many a times to ask MIL to relax and give time. Once i came to know, that my MIL has told my mother that the doctors had detected some problem in me in this context, but after my wife gave me some home made medicine on her mother’s advice, i became healthy in just one month….I was shocked to the core and confronted my wife who flatly refused but later told me that her mother had some misunderstandings, so she said like this…..I was like what bullshit is this????Anyways, all the fights we had all these two years were mostly about money, that why i am not saving, why i am spending money on my younger brother, why may parents cant manage in their pensions etc….I tried to make her understand my view point but she never listened. And the frequency of these fights was like every 4–5 days and lasting for like 2–3 days during which she used to give me silent treatments.The recent thaw in our relations came when i got transferred to a different location. Coincidentally, my brothers bachelors also completed in April and now he has to go for job. It is very much obvious that my brother would either stay in his current city or go to some metro for a job, but she was getting increasingly nervous that my brother might come to the new location with us. So, she started saying nice things me to me for days at length regarding we should something about my brother and blah blah…Then one fine day her mother calls me and discusses with me about how we are being irresponsible for my brother and that we should open some kind of a small shop for him in our hometown so that he can sustain his living…i was like why is she talking about him in this manner and what problem do they have with him…but i didnt say anything to her.Next my wife tells me that she is not going to my new location, if my brother is coming there….i was again shocked…my brother was anyways not coming to the new city but how can her mother decide that?So she picks up this fight with me and silent treatment starts again… In between i went to my hometown for a friends marriage and her mother gives me call asking what have we decided about my brother…i curtly told her that we will see..she yells at me that i would have to tell her because it affects her daughters life also….i am like why are they behaving in such a mad manner.Exactly 15 minutes after this call, i get another call from my wife saying that my younger brother has asked her to leave our house….i was getting mad by this point, so i call up my brother to ask what happened. He told me that my wife came out of her room suddenly and started shouting on him that he is living on her husband’s money and he needs to packup and leave. When i asked my wife if this true, she says yes it is and she cant bear to live with my brother under the same roof.From the sequence it was clear that when her mother failed in convincing me to leave my brother, she instigated her daughter to deliberately pick up a fight with my brother so he realises that he is not welcome there…Just to give a background, het mother has 2 sisters, and all the three sisters’s husbands have complicated relationships with their paternal families. My MIL wants to replicate the same model in my family and my brother is just a pawn in this game. Today, its my brother and six months later it would be my parents.Anyways, This fights was like 3 days back. Today i.e on 26.05.2017, i called my wife and said that my brother would not come with us to the new city but in addition her mother would also be unwelcome in my house and if she comes, i would be staying in a hotel during all this time. My wife told me that her mother would come whenever she feels like and i can not dictate where she is welcome or not. I can not understand these double standards!!! In addition, she tells me that if ever i try to say anything against her mother, she would implicate me in false dowry/marital rape/ etc kind of case. And considering that her father is a very powerful bureaucrat, i know we wouldnt stand a chance against them…She swore that her mother has even consulted a lawyer in this case. Further, i work in a govt. job, and 2 days in lockup would lead to automatic suspension of my govt. job. Please note that mine is a very coveted govt. and i cant take that risk.As of now, i am clueless, if this fight is actually worth it and whether i can live with this monster for my entire life or whether i should end my life, so that everyone else is happy, but i cant do that too for the sake of my old parents…My head is continuously paining due to all the stress this is causing me, while my wife is partying with her friends and telling me that she is staying late in office due to office work pressure. Can you believe, every time she is saying she is stuck up late in office, her google map position tells me the address of some restaurent / disc/pub .PS:My wife messaged me before our fight today that she loves me( but cant stand my family) and i wonder if people do this to those they love…
Is it possible to rent out a house you bought with the VA loan?
The VA loan requires that the buyer occupy the property within 60 days of closing and that they certify their intent to occupy the home as their primary residence. There is no prohibition against converting one’s previous residence purchased with a VA loan into a rental property. The term, “intent” is somewhat open-ended, however. I’d say that living in the home for, say, a year before converting it to a rental would be a good indication of intent.With that out of the way, here’s why that’s probably not the best idea.First, you should realize that the VA loan is pretty much the best loan on the planet. It requires no down payment, there is no mortgage insurance, and the rates are typically below the prevailing conventional market rates. Winner on all counts.When you have an active VA loan, your entitlement is tied up in that property. You might be better off financially to sell that home to liberate the equity, then buy your new home using your VA entitlement. There is a funding fee (waived for veterans with a service-connected disability), typically added to the base loan amount. The funding fee is generally 2.15% for the first use, but 3.3% for “subsequent use.” A non-exempt veteran who puts at least 5% down will pay a funding fee of just 1.5%, even for subsequent use.A different strategy to consider would be this: Assuming you have substantial equity in your home now, sell it. Buy your new home with a 5% down payment to get the lower funding fee. Use the cash left over to buy a rental property with at least 25% down. The reason for the larger down payment is that your rate will be lower than with 20% down.Another approach that has worked well for many VA buyers: use your VA loan to buy a nice multi-unit property, such as a fourplex with one unit you’d be happy living in. For qualifying purposes, VA will use 75% of the scheduled rent on the other units for qualifying. This means that you’ll be able to buy far more property, and your cost of housing will be much lower because the rents will offset much (or possibly all) of your mortgage payment.But to circle back to your original question of whether you can convert your home with a VA loan to a rental, the answer is yes—but it’s not the best idea for most people.I hope this is helpfpul.
How is an average person expected to get through life in the US without a bureaucracy consultant to advise on how to properly fill out all the paperwork?
The lawmakers expect a reasonable average person to be able to guide self through the maze of laws and regulations.Still, some people value their time or are truthful about their abilities to comprehend things, and instead of getting a self-taught degree in taxation or legal intricacies of a company formation (and accounting/financial issues associated with that), those people choose to hire a professional specializing in those areas.I am personally an accountant (corporate accounting) which is as far away from personal taxes as you can imagine, my tax returns are tied to my spouse's and due to presence of several items which are not a common occurrence in an average person's life, I am not even trying to complete our taxes.I do my due diligence with all the information gathering, schedules, support documentation, record retention and such but I can't spend days pouring over it all to come up with a final number.So, I pay a professional to be on time, on spec, and on budget.With respect to legal advice, laws in US vary by state, so me being able to spend 3 years in law school, and then more years trying to be admitted to each of the Bar associations, and then have the ability to research cases for precedents - that's just not reasonable.Still, there are others who actually love this process, are knowledgeable, and can tell me a solution to my problem within 20 mins. Isn't this worth my money?