#VA RESIDUAL INCOME

[gustanchomortgage]

Although it can be difficult, getting a mortgage after bankruptcy is possible. For borrowers who have emerged from bankruptcy, completed a waiting period, and satisfying other eligibility conditions, several lenders have created rules.

It’s critical to comprehend how bankruptcy affects your capacity to obtain a mortgage and which mortgage programs are accessible to you if you want to purchase a property following the bankruptcy procedure.

[gcamortgagesblog]

VA Loan With Recent Late Payments

For many veterans and active-duty service members, getting a VA loan is often the realization of a dream. Veterans who have served their nation will find it easier to become homeowners thanks to the loans, which are backed by the U.S. Department of Veterans Affairs. What transpires, though, if an applicant's credit report shows recent late payments? They may still be eligible for a VA loan. Understanding manual underwriting guidelines will help you find the solution.

The Importance of Manual Underwriting Guidelines

Automated systems typically evaluate an applicant's eligibility for mortgage lending based on predetermined criteria. These requirements frequently include income, debt-to-income ratios, and credit scores. Life's difficulties can occasionally result in late payments, which might not be properly represented in an automated system's evaluation. Manual underwriting guidelines are used in this situation.

A human underwriter reviews each application and piece of supporting documents individually in manual underwriting. This enables a more comprehensive assessment of the applicant's financial status, accounting for variables outside the scope of automated criteria. There are features in VA loans that permit manual underwriting, giving applicants who have recently made late payments the chance to explain their situation and establish their trustworthiness.

Guidelines for VA Loans with Recent Late Payments

Explanation of Late Payments

Providing a concise and convincing justification is one of the most important components of manual underwriting guidelines for VA loans with recent late payments. Explaining the facts behind the late payments, whether they were brought on by unforeseen events like medical emergencies or brief financial troubles, can have a big impact on the underwriter's choice.

Evidence of Reestablished Credit

Demonstrating that you have taken action to improve your credit position is essential in manual underwriting. If you have made consistent on-time payments after having made late payments in the past, it demonstrates a promising trend and a dedication to sound financial management.

Stable Income and Employment

The underwriters will also take your present employment situation and steady income into account. Concerns regarding your ability to make mortgage payments in the future can be reduced by a steady employment history and income.

Compensating Factors

Manual underwriters frequently search for mitigating elements that can balance off the detrimental effects of previous late payments. These can include a sizable cash reserve, a sizable down payment, or a low debt-to-income ratio. These elements reflect your capacity to manage a mortgage despite previous credit difficulties and financial stability.

Meeting VA's Residual Income Requirement

To guarantee that borrowers can comfortably make their mortgage payments after taking into account other monthly responsibilities, the VA has a residual income requirement. Your case may be stronger if you meet or surpass this requirement during manual underwriting.

Lender Discretion

It's significant to note that lenders may differ in their manual underwriting judgments. While some might be more forgiving when taking recent late payments into account, others might have tougher requirements. You can locate the ideal fit for your case by looking around for a lender with manual underwriting and experience with VA loans.

Conclusion

Even though previous late payments might at first seem to be a barrier to getting a VA loan, manual underwriting guidelines offer a method for eligible applicants to realize their ambition of becoming a homeowner. These rules give applicants the option to present a more thorough picture of their financial status while also acknowledging the influence that life's struggles can have on credit records. Veterans and active-duty service members can improve their chances of navigating the manual underwriting process for VA loans by giving detailed explanations, proof of credit improvement, and other supporting elements. As you start down the path to homeownership, keep in mind that manual underwriting is a chance for you to share your background and demonstrate your dedication to sound money management.

[creatcreed]

How to Make Money Online Without Investment

With the internet, there are plenty of ways to make money online without spending any amount upfront. Regardless of if you want to generate a side income or even create an online business that is circulation independent, here are several ways which you can do so without having any upfront financial investment to begin.

Freelancing If we talk about the platforms where you can start your work is simply freelancing. Freelancers who provide numerous services connect with clients on websites such as Upwork, Fiverr, and Freelancer. Whether you can write, design graphics or websites, do marketing or any other skillful work — You name that trade and collect on it. Build a strong profile, flaunt your work portfolio and bid on relevant projects that you have the capability to deliver.

Internet polls and also marketing research Everyone knows that companies are always looking for consumer opinions on what they can do to get their products and services better. With survey reward websites such as Swagbucks, Survey Junkie, and Vindale Research you can get paid for answering questions based on campaigns conducted by businesses. This will probably not make you a millionaire, but it’s one drop in the ocean and an easy way to earn while chilling lazily on your couch.

Blogging Blogging Blogging is one of the ways by which you can share your passions and expertise with others while earning money online. You can even start a blog for free using platforms like WordPress and Blogger. After you create valuable content and grow your audience, making money from your blog by using affiliate marketing or sponsored posts, selling digital products such as e-books & course. The earning capability of a blog is huge even though it takes time to grow your brand.

Affiliate Marketing Affiliate Marketing: sell someone else's shit for 50% or more profits on each sale made through your referral link Affiliate networks (such as Amazon Associates, ClickBank, or ShareASale) offer you a range of different affiliate programs to sign up for. You simply create content around the products you are promoting (blog post, social media posts, or on YouTube videos etc…) then send traffic to your affiliate links in order for people that landing at those links and buy from them so that way you will earn commissions.

Content Creation on YouTube In present time, YouTube has changed the life of many content creators amazed by the kind of money they earn from this platform. If you like creating videos then why not start a YouTube Channel and put out content on stuff that interests you. After you've achieved (1,000 subscribers and 4,000 watch hours in the past year) YouTube monetization requirements; they are: Ad revenue Through channel memberships Super Chat donations You can also work directly with brands for sponsored content as well.

Selling Digital Products I mean, if you have knowledge on a given subject try making digital products like e-books or even online courses and printables. Teachable, Udemy, and Gumroad are platforms where you can use to create digital products for sale. This method takes time and effort to create your products but can potentially allow you a residual way of making money once your product is up there for sale.

Social Media Management Businesses need people to manage their social media. If you feel proficient in social media and how to make it pop, then these are the services that can be offered — Social Media Management Common job posting websites like Indeed or LinkedIn do offer remote social media manager positions. You can also contact the area small businesses for your services as well.

Virtual Assistance VAs(NOT VA for the dirty minded!) stand as Virtual Assistants who provide administrative support to companies and entrepreneurs. Jobs can range from managing emails, to organizing calendars and schedules for your clients, everything else is tied along the lines of data entry and providing customer/customer service etc. On other websites you can find these virtual assistant jobs, like Virtual Assistant Jobs and Fancy Hands. Being a Postmates Delivery Driver allows you to set your own hours and work from the comfort of home.

Online Tutoring Become an online tutor; providing tuition to students for subjects you know. Websites like Tutor. Sites like tutors. com, Chegg Tutors, and Wyzant have a network of available tutors looking to tutor students with some extra cashtags on hand. Many models are adaptable and thrive on new subjects ranging from math, science to languages or even test prep. Its a way where you can make money in ways of sharing knowledge with others as all are paid.

Microtasks Sites like Amazon Mechanical Turk and Clickworker offer small tasks for payment. These can be data entry, content moderation or web research tasks. The pay per task is quite low, but the tasks are short and can add up over time.

Online without investment to make money, how is it possible? It could be anything whether freelancing, blogging, affiliate marketing, or any other method but consistency and efforts are going to make you succeed. And all of these options allow you to work online and be location-independent, something that is becoming more common now than ever before.

[bondstreetloans01]

What is the difference between VA loans & FHA Loans?

Lots of differences, so buckle up and pay attention.

Any borrower can qualify for an FHA loan. VA loans are for people who have served (or are now serving) in the U.S. armed services. Veterans must have served “under honorable conditions” (an Honorable Discharge is not required).

The down payment for an FHA loan is 3.5%. There is no down payment for a VA loan.

FHA loans have mortgage insurance: an up-front premium of 1.75% and a monthly “renewal” premium of 0.85% for most loans. VA loans have no mortgage insurance. They do have a Funding Fee which varies according to the down payment and whether the veteran has used his or her entitlement previously. Both the funding fee and the upfront mortgage insurance premium are added to the base loan so it is not an out-of-pocket expense.

Appraisers for FHA loans perform an extended inspection to determine whether there are any issues with the property relating to health and safety. Among these are visual infection or infestation of wood-destroying organisms (termites, etc.). If the appraiser notes such evidence, the property will need a termite inspection and clearance. VA loans will always require a pest control inspection and clearance.

FHA loans can have non-occupant co-borrowers to help the occupant qualify. VA loans can only use income from spouses or other borrowers who also have VA entitlement.

FHA loans have a maximum debt to income ratio (DTI) of about 55%. VA loans have no maximum DTI. Instead, the underwriter looks at the borrower’s residual income after income taxes, house payment, other debt and a certain amount for utilities and maintenance. VA loans regularly get approved at a DTI over 65%.

FHA loans can use appraisals with a license level adequate for FHA appraisals. VA appraisers are assigned by VA to appraisers who are on the regional VA loan center’s panel. The appraisal process and format is the same for both types.

Some loan originators try to push their veteran borrowers into FHA loans because they don’t know how to originate and fund VA loans. This is a grave injustice—and probably constitutes malpractice (IMO).

Sellers and their agents are often afraid of VA loans because they have incorrect information and assumptions. From a lending perspective, they are as easy as any other loan—and in many respects, easier.

[kentuckybats]

How to Calculate Residual Income for a Kentucky VA Home Loan Approval

How to Calculate Residual Income for a Kentucky VA Home Loan Approval

Calculating Residual Income: ▪ Calculate the total gross monthly income of all occupying borrowers▪ Deduct from gross monthly income the following items:▫ State income taxes ▫ Proposed total monthly fixed payment (i.e. PITIA + MIP)▫ Federal income taxes ▫ Estimated maintenance and utilities▫ Municipal or other income taxes ▫ Job related expenses (e.g. childcare)▫ Retirement or Social Security ▫…

[seeaddywrite]

written for alex manes appreciation week 2019, day one: “daydreaming with a broken heart.” i played fast and loose with the prompt, as always, but i am fairly proud that this is under 3k! shout out to my sister for reading through it to make sure it was at least coherent, even though this is not her fandom, & to @soberqueerinthewild for helping me modify my original idea that was not working when i started to something that did. 

disclaimers: alex’s views on mental health are not my views; keep in mind, his state of mind is not great in most of these moments, & he tends to be harder on himself than is really fair. 

warnings: unreliable narrator, PTSD, war-time, generally poor mental health. set mostly pre-canon, with some future-fic at the end. as always, guys, it’s angst with a happy ending. 

The first time Alex realizes that the entirety of the Atlantic Ocean can’t keep him away from Michael Guerin, he’s in the middle of the desert on his first deployment, crouching behind a crumbling wall in an outpost. Ostensibly, he’s trying to find a safe place to work, but in reality, he’s  really just attempting to keep the contents of his stomach where they belong, rather than splashed over the sand-covered floor.

Angry shouts in a language Alex only sort-of knows precede the rapid report of gunfire by a few seconds, but it’s still not enough time. His fingers move faster on the laptop he’d swiped from one of the empty rooms in the outpost; it’s covered in dust and the screen is cracked, but it’s functioning, which means there’s a chance Alex can hack into the communications network and get a radio message through to their back-up. He can rescue this entire clusterfuck op, can make sure his men get home. He can fucking do this; he just has to ignore the sweat dripping down his face and the shouts of screaming men and gunfire, and focus on the code.

“We’re sitting ducks in here, Manes! You better have a fucking plan!”

The bellow from Argent is nearly drowned out by the repetitive thunder of gunshots from his weapon, and Alex can’t spare a thought or an instant to respond. Being surrounded in an outpost in the middle of the desert isn’t great, but it’s a hell of a lot worse when there are only three friendlies, with the rest of their men at least a mile away with no way to know Alex’s guys are in need of rescue. Alex sucks in a lungful of humid air and focuses back on the screen in front of him, searching the flickering lines of code for a back-door entry to the communications array.

When Argent’s bellows keep coming, though, urging Alex to hurry, he lifts his gaze from the laptop screen exactly long enough to realize that the enemy is no longer simply shooting from outside — they’re in the fucking building now, and getting closer with every second. Alex does his best to swallow down the panic that swells in his chest, but his fingers shake on the keys in front of him, and his vision blurs. It’s too much — too much pressure, too much stress, too much, and Alex has never been able to come through for anyone when it really matters. He’s not strong like his brothers, not heartless like his father, and this is not the life he should have had. His incompetence is going to get his squad killed, and Alex is sucking air into his lungs, but he still can’t breathe.

“Since when are you the one who gives up?” The irritated, slightly mocking voice is so familiar, so real, that Alex’s head snaps around, certain that he’s about to find Guerin somehow in the middle of this mission alongside him. The thought doesn’t help the churning in his stomach or the panic still steadily mounting in his chest, but when he looks, there’s no one standing there. Another loud gunshot echoes through the room; closer, again. Closer all the time.

“Come on, Alex, you’ve got this. You can do shit like this in your sleep.” Michael doesn’t know that — Michael doesn’t even know that Alex has been taking computer classes since he was in middle school, but it’s what Alex needs to hear, and the tremors in his fingers and knees finally start to ease at the reminder. He can do things like this in his sleep. The communications array in these places are rarely even protected by a decent firewall; the real enemy here, Alex realizes, is himself. He can do this, and he will.

With a sudden surge of determination, Alex forces numb fingers to move, striking keys in rapid succession until he’s down to one stubborn line of code that just doesn’t want to cooperate. He hesitates at the sound of yelling behind him, but there’s a ghost of a caress on his cheek, drawing his attention back where it needs to be, and Alex doesn’t waste any time reminding himself that Michael can’t actually be here, that he’s probably hallucinating due to stress or exhaustion — because he doesn’t give a shit. The idea that Guerin stills cares enough to help him now is one that he desperately needs at the moment, and clings to it with both hands.

“Good,” Michael’s voice praises him, and later, Alex will wonder if the stress of this op cost him his sanity, since he’s hearing his ex-boyfriend’s voice from half a world away and actually feeling proud at the praise. Jesus Christ, apparently, war fucks people up a lot faster than Alex realized.

“Hey, stay with me,” that same, calm voice demands. “Take a deep breath and get this done. You’re okay.” Still half in the thrall of whatever psychotic break he has to be in the middle of, Alex obeys, hauling in more oxygen through his nose. As he does, the musky scent of cheap aftershave hits Alex’s nose somehow, over the smell of sweat and sand and electrical discharge, and for a moment, Alex is so sure that he’s safe that his body believes it. His fingers stop shaking, his focus sharpens — and less than a moment later, he finds the right line of code and corrects it, and the distress call goes out over the radios.

The other two men hear it and cheer, but Alex is too busy missing the phantom caress of a daydream on his cheek.

That’s not the last strange, dreamlike encounter Alex has with Michael in times of stress — an no, that’s not something that he’ll be admitting to his military-appointed shrink anytime soon, thanks just the same. He knows that Michael doesn’t really come to him when he’s scared or in pain, is well aware that it’s a trick of his subconscious as it yearns for the peace and safety of home, which he’d always found in Michael Guerin’s embrace. Psychologically, Alex thinks, it makes total sense. And most of the time when it happens, he’s too busy fighting for his life or the lives of others, to worry about what this might mean for him.

The day that they lose Argent, Michael is there, a phantom hand in his and a muted, grieving whisper in his ear reminding him that Argent would kick his ass if he got himself killed, too. When Alex ends up hacking into a the controlling element for weapons of mass destruction while his team engages hostiles, Michael’s there behind him, invisible hands on his shoulders, murmuring reassurances and sweet nothings until the goal is met and his team is safely on their way back. That time, Michael stays until the others arrive, and Alex would swear he feels arms around him while he shakes apart when the urgency is gone and he can no longer suppress the panic. When his men arrive and the feeling of Guerin disappears, Alex cries. The guys take it as a sign of pain, and insist on all but carrying him to their transpo unit, but even in the indignity doesn’t quite manage to stop his tears.

Time and time again, as the slow, grueling years of enlistment pass, Michael is there when Alex needs him, and the latter comes to rely on that knowledge. He doesn’t forget that it can’t be real, doesn’t pretend that he hasn’t gone half-mad in these damn deserts, and on his worst days, he curses himself for a fool for treating this as normal when it’s obviously a sign that he’s just as psychotic as his father. But if Alex can’t have Michael in the real world, and if he has to be at war, despite promising himself for at least fifteen years that he would never take this path, Alex feels like he deserves this one, small thing. He’s not hurting anyone else — only himself — after all.

Alex doesn’t remember the explosion that took his foot and part of his leg. He remembers running when the tell-tale whine of an incoming bomb hit his ears, and the sound of panicked screams of the villagers and soldiers alike in the village. He remembers the images as if looking through a kaleidoscope; the brown of the sand, the blue of the sky, the open-mouthed expressions of horror and panic on the faces around him. He remembers his own ragged breathing and the strain in his muscles as he tries to make it out of the impact zone  —

And he remembers the hand in his, dragging him along when he stumbles. “Move, Alex, move! Don’t you dare stop! Don’t you fucking dare!” Alex has never heard Michael sound quite so panicked; even when Jesse Manes took a hammer to his hand, Michael had only ever screamed in pained fury. Now, his tone is desperate, bordering on frantic, and somehow, if only to appease Michael and keep that sound from his voice, Alex manages to run faster.

He wakes up in a VA hospital in Germany ten days later, sans nearly half of his right leg. The doctors tell him that there’s an infection in the residual limb, and that they’re worried about his fever, so he vaguely understands that he’s hallucinating when Michael perches on the side of his hospital bed. It seems so real that Alex allows himself to forget, just this once, that it isn’t. He wants to escape the reality that he’s going to be forced to endure for the rest of his life, and the only way that’s possible is with Guerin.

It’s the only time he ever sees Michael in one of these episodes. Every other encounter, it’s just been his ghost, able to touch and be touched but never seen. Now, though, Michael looks terrible as he brushes tender fingers through Alex’s regulation-length hair, his own knotted and greasy, with giant, bruise-like shadows beneath his eyes. “Fuck, Alex,” he breathes, his voice so rough that Alex knows he’s holding back tears. “I thought — when we were running, I thought —

Alex steadfastly ignores that he’s talking to a voice in his head and squeezes Michael’s hand. It’s the good one, the one without the scars and damage inflicted by Jesse Manes all those years ago, and he’s grateful for that. With his mind woozy from pain meds and fever, Alex doesn’t think he could put that awful night back in its mental lockbox if something pulled it out. “Not dead,” he mutters, wishing he could make his voice louder. But his throat is dry and he’s just so fucking tired, and the barely-there whisper is all he can manage. “You saved me.”

Michael shakes his head, so vehemently his curls fall over his eyes. “No way, Alex. You saved yourself. Just like always.” There’s a gentle touch at his brow, and Alex almost allows his eyes to close — but he’s suddenly terrified that if he does, Michael will disappear, and he’ll be left alone, staring at the place on his body where his right foot should be, and he doesn’t think he can do that yet. So Alex just stares at him, turning his head when Michael shifts so that he never leaves his line of sight. He drinks him in like a man dying of thirst, clinging to his good hand, and the soft kiss to his forehead makes his eyes burn with tears. “God, I love you,” he murmurs. “And I’m so fucking proud of you.”

The tears spill over this time, because those are words Alex has never heard before, not outside of Maria’s joking proclamations or one of the guys’ sarcastic retorts, and he knows, in his bones, that Michael means it.

That’s probably why he has to be sedated when the nurse comes in and Alex is left completely and utterly alone.

Two years later, when Alex is back in Roswell and finally free of the military and his father, he curls into Michael’s naked body and buries his head in his neck, inhaling the familiar musky scent of cheap aftershave. It’s humid and dry outside, like a true desert summer, and the intersection of each of those circumstances sends him back to that very first mission, where he’d very nearly frozen and gotten all of his men killed. Alex swallows, the memory full of shame and residual fear, and Michael immediately tightens his grip around his waist.

“Hey,” he murmurs, and Alex turns his face up to look at his newly-reinstated boyfriend with a questioning tilt to his eyebrow. They’ve come a long way from those scared teenaged boys in a shed, and Alex can now look at Michael and see the man he’s become. Strong, brilliant, brave . . . alien. That last part doesn’t scare him anymore, though when Alex had believed there was a chance he could lose Michael to the cosmos, it had. They’ve done battle together, now, and not just in Alex’s head. They’ve faced down Jesse Manes and a serial killing alien. They worked together to bring Max Evans back from the dead, and reintegrate Rosa Ortecho back into society with a new identity. The two of them have a family, now, a real one, and it starts with each other.

“I’m okay,” Alex says, half of his mouth lilting upward in a half-smile. “Just — remembering.”

Michael shifts, running a hand down Alex’s bare back, and waits for the explanation. Alex considers a moment, then chuckles ruefully. “When I left to join the Air Force,” he begins, bracing himself for the instinctive flinch the words evoke from Michael. It’s a sore point between them even now, when they’ve finally sorted everything out, and Alex knows that only time will bleed the pain from those memories. “I guess I kind of — lost it, a little. Every time something went wrong, every time I was in danger, I used to . . . imagine you were there.” The tops of Alex’s ears feel hot with embarrassment, and if it weren’t for Michael’s arms around him, he’d probably try to pull away.

Instead, he manages a crooked smile. “Don’t worry, I know that sounds insane. I just —” He shrugs self-consciously, not wanting to dive into too many of the details. It’s bad enough that he’s just admitted to his most closely-guarded secret out loud; he doesn’t need Michael to know exactly how pathetic he’d been. “I guess I just wanted to feel like you were with me, even when you couldn’t be. And it — you — saved me. Kept pushing me to run when I wanted to give up, the day this happened.” He taps his bad leg to illustrate, and hides his face back in the warmth of Michael’s neck, hoping they can just go to sleep and stop talking about this.

Michael keeps stroking his back, slow and comforting, and there’s no judgement in his body language, so Alex manages to relax after a moment. This is what he’s needed for years; just Michael, holding him. The rest of it doesn’t matter, because as long as Alex can count on this, he knows he’s in no danger of truly losing his mind.

He’s on the verge of sleep when Michael shifts beneath him, rolling so that they’re face to face on the pillow rather than tucked into one another. A hint of mischief sparks in his eyes, and there’s a tilt to his smile that suggests he knows something Alex doesn’t. When he finally speaks, the words are so familiar, so specific, that all Alex can do is gape at him in incredulity.

“No way, Alex. You saved yourself. Just like always.”

[isellmoney]

VA Home Loan Quick Qualifying Guidelines

VA Home Loan Quick Qualifying Guidelines

Just like USDA does not actually make USDA Home Loans, the Veteran’s Administration doesn’t make VA Home Loans.  The VA says they will partially “cover” the Lender, in the event the Veteran fails to make their payments. Because of that, many mortgage companies have their own (additional) guidelines for making VA Home Loans.  So that you can compare the way we look at different components of a VA…

[shannonwong]

Financial Terms You May Want To Know While Thinking of a Home Loan!

Whether you’re a first-time buyer or an experienced house flipper, you may have questions about home loans.

Getting a home loan through a credit union, such as Aspire Credit Union may be preferable to getting one from a commercial bank.

Easier Loan Approvals

Lower Fees

Lower Interest Rates

Community Feel

We are here today to improve the financial literacy of our members – especially those seeking Aspire home loans.

EARNEST DEPOSIT

A deposit made to a seller represents a buyer’s good faith to buy a home. The money gives the buyer extra time to get financing and conduct the title search, property appraisal, and inspections before closing. In most cases, the earnest money is delivered when the sales contract or purchase agreement is signed, but it can also be attached to the offer.

TITLE INSURANCE

It protects you from problems with an ownership title when you buy real estate. Title companies search for problems with the title that need to be corrected before you buy the property. If there is a challenge to your ownership later, your title company will handle the dispute. And this is not homeowner insurance.

REAL ESTATE TRANSFER TAX

Sometimes called a deed transfer tax, it’s a one-time tax or fee imposed by a state or local jurisdiction upon the transfer of real property.

ESCALATION CLAUSE

It’s often helpful in a seller’s market, where there are more home buyers than there are homes for sale. A smart idea when you want to strengthen your offer and edge out competing bids

HOME MORTGAGE REFINANCING

Refinancing refers to the attainment of new Aspire home loans to take the place of an older one. Refinancing is classified as "rate and term" or "cash-out." There are many reasons people opt for a refinance – lower interest rate or shorter time frame.

HELOC

Home equity lines of credit (HELOC) allow you to borrow money using the equity or value of your home as collateral. HELOC rates tend to be lower and maybe a better alternative than a credit card or personal loan, and interest paid may be tax deductible. It’s a great fit for expanding your budget and maximizing your options.

VA RESIDUAL INCOME

It’s more important than a debt ratio because it shows how much income remains for basic living expenses. Three factors determine the minimum amount of residual income you will need to qualify for your Aspire home loan:

Loan Size

Family Size

Region of the Country

Aspire Credit Union offers great rates with fabulous local service. Two of our unique benefits is only requiring 10% down for those individuals who qualify and we are an equal housing lender, federally insured by NCUA.

Want more information about an Aspire Credit Union home loan? Visit our website to contact an expert today.

[mathewsalazary]

Financial Terms You May Want To Know While Thinking of a Home Loan!

Whether you’re a first-time buyer or an experienced house flipper, you may have questions about home loans.

Getting a home loan through a credit union, such as Aspire Credit Union may be preferable to getting one from a commercial bank.

Easier Loan Approvals

Lower Fees

Lower Interest Rates

Community Feel

We are here today to improve the financial literacy of our members – especially those seeking Aspire home loans.

EARNEST DEPOSIT

A deposit made to a seller represents a buyer’s good faith to buy a home. The money gives the buyer extra time to get financing and conduct the title search, property appraisal, and inspections before closing. In most cases, the earnest money is delivered when the sales contract or purchase agreement is signed, but it can also be attached to the offer.

TITLE INSURANCE

It protects you from problems with an ownership title when you buy real estate. Title companies search for problems with the title that need to be corrected before you buy the property. If there is a challenge to your ownership later, your title company will handle the dispute. And this is not homeowner insurance.

REAL ESTATE TRANSFER TAX

Sometimes called a deed transfer tax, it’s a one-time tax or fee imposed by a state or local jurisdiction upon the transfer of real property.

ESCALATION CLAUSE

It’s often helpful in a seller’s market, where there are more home buyers than there are homes for sale. A smart idea when you want to strengthen your offer and edge out competing bids

HOME MORTGAGE REFINANCING

Refinancing refers to the attainment of new Aspire home loans to take the place of an older one. Refinancing is classified as "rate and term" or "cash-out." There are many reasons people opt for a refinance – lower interest rate or shorter time frame.

HELOC

Home equity lines of credit (HELOC) allow you to borrow money using the equity or value of your home as collateral. HELOC rates tend to be lower and maybe a better alternative than a credit card or personal loan, and interest paid may be tax deductible. It’s a great fit for expanding your budget and maximizing your options.

VA RESIDUAL INCOME

It’s more important than a debt ratio because it shows how much income remains for basic living expenses. Three factors determine the minimum amount of residual income you will need to qualify for your Aspire home loan:

Loan Size

Family Size

Region of the Country

Aspire Credit Union offers great rates with fabulous local service. Two of our unique benefits is only requiring 10% down for those individuals who qualify and we are an equal housing lender, federally insured by NCUA.

Want more information about an Aspire Credit Union home loan? Visit our website to contact an expert today.

[clearlendingposts-blog]

VA Home Loan Bad Credit in Fairfax County, VA - Know Veteran Administration Loan Requirements in 2021

Finding a lender who provides this form of loan is all that is required to apply for a VA loan. VA loans are available from most lenders, including credit unions, traditional banks, and internet banks. The procedure is similar to that of applying for any other sort of loan. You'll fill out an application and offer details about your job, income, assets, and other financial information.

 A VA certificate of eligibility is the only additional paperwork you'll need to provide. The Department of Veterans Affairs issues this certificate as verification that you fulfill the qualifying conditions for a VA loan. To decide if you qualify for a VA Home Loan Bad Credit in Fairfax County, VA, your lender will look at your credit, debt, and income, just like any other mortgage application. The interest rate you obtain will also be determined by these factors.

DTI Ratio

A VA mortgage allows for a maximum debt-to-income ratio of 41%. Provided your DTI ratio is greater, you may still be accepted if you have enough "residual income." After paying the mortgage, this is the money left over to cover basic living needs. Pay down debt if you have a high DTI ratio to lower your percentage. You can qualify for a VA loan whenever your debt-to-income ratio falls below 41%. Having a cosigner for a VA home loan may boost your chances of getting accepted, depending on your financial and credit position.

Down Payment

A down payment is not required for most VA loans. If the purchase price of the house is more than the assessed value, you'll have to make up some of the difference with your down payment in order to reduce the loan-to-value ratio. If the house you're buying exceeds the VA loan maximum or the county loan limit, you may be forced to make a down payment.

 Furthermore, in a competitive market, a down payment may be necessary to obtain a property. You may find yourself in a bidding position if there are more buyers than vendors. You will be required to pay a deposit to demonstrate that you are a serious buyer. The good news is that putting some money down will almost certainly lower your VA financing fee at closing and save you money in interest throughout the loan's duration.

 Credit Scores

For service personnel and veterans to be eligible for a VA loan, there is no minimum credit score. VA mortgage lenders, on the other hand, can set their own minimum FICO score requirements. The majority of lenders like a score in the mid-600s. It's important to improve your credit score before applying for a VA loan if it's below 630. Your lender will also check your credit report to see if you have a track record of making on-time payments.

  These above-mentioned factors are needed to consider if you want to qualify for a VA loan with low credits.

[kentuckybats]

How to Calculate Residual Income for a Kentucky VA Home Loan Approval

How to Calculate Residual Income for a Kentucky VA Home Loan Approval

Residual Income for a Kentucky VA Home

[msarahcarlos]

Basics of VA Loan- Eligibility, Income Requirements and Application Process

Among the many hard-earned benefits available to the US vets, Veterans loan is perhaps remarkable of all. These loans are guaranteed by the US Department of Veterans Affairs (VA) and provided by VA-approved private lenders.

With absolutely no down payment requirements and the lowest possible interest rates, VA home loans are a true homeownership opportunity that smooth your transition from military to civilian lifestyle.

BASICS OF VA LOAN

Initiated in 1944, VA loan have helped millions of Veterans purchase their dream home without worrying about down payment.

These mortgage facilities come with the following benefits-

They do not require you to pay any down payment.

There is no Private Mortgage Insurance (PMI) requirements.

They have the lowest interest rate in the market.

They come with flexible guidelines and easy eligibility criteria.

They come with a government guarantee.

You can even use refinancing options to qualify for even lower interest rates.

QUALIFYING FOR A VA LOAN

To stand eligible for a Veterans loan, you must attain the Certificate of Eligibility (COE).

To attain a COE, you must meet either of the following conditions-

You are a current/former military member who has served at least 90 consecutive days during wartime.

You are a current/former military member who has served at least 181 consecutive days during peacetime.

You are a member of the reserves with at least six years of experience.

You are a family member of a Veteran who either went MIA, was a POW or died from in the line of service or from a service-related disability/injury.

Applying for a COE is quite simple. You can either ask your private lender to get it for you, apply online or mail your application.

Are there any additional requirements?

While COE is an important document required for a VA loan, it is not the only requirement.

In addition to getting your hands on a COE, you must also meet the lender's requirements and Minimum Property requirements, as defined by the VA.

Lender's Requirements

To qualify for a Veterans loan, you do not need an outstanding credit score or an excellent credit history. However, most private lenders will at least require you to have a minimum credit score of 620.

Moreover, you must have enough residual income and a required debt-to-income ratio.

Minimum Property Requirements (MPRs)

The VA has defined certain MPRs to ensure that the house you have selected is safe for living. Your selected property must pass all the MPRs in order to qualify for a VA loan.

APPLYING FOR A VETERANS LOAN

Applying for a VA mortgage is easier than you think. You can start by getting in touch with a VA-approved private lender and attaining the COE.

The next step is pre-approval. This is not a mandatory step; however, it is highly recommended because it will estimate how much Veterans loan amount you may qualify for.

This will help you choose a property within your budget.

[courserall-reg-w04]

Life imprisonment or death penalty?

SUMMARY:

For this Logistic regression analysis I used the Outlook on Life Surveys data.

One of the questions the participants were asked to reply was:

If you could choose between the following two approaches, which one do you think is the better penalty for murder: the death penalty, or life imprisonment?

and I used it as Response Variable (W2_QK3) for my analysis.

I recoded the Response Variable to be: 0=Life imprisonment, 1=Death Penality.

My idea is that this kind of choice could be affected by the personal experience and the living context, so I considered as primary explanatory variable between these two questions:

W1_P10: Do you have any friends or relatives having a criminal conviction? (0=No, 1=Yes)

W1_P9: Has anyone in your household ever been arrested for a crime? (0=No, 1=Yes)

The first (W1_P10) is significantly associated to the response variable while, surprisingly, the second (W1_P9) is not.

The reasons could be many, we can consider that the 17% of the interviewed said that anyone in their household have been arrested for a crime,

while the 45% said to have friends or relatives having a criminal conviction, but I can’t say more about this point.

I made a first logistic regression using as explanatory variable only W1_P10: Do you have any friends or relatives having a criminal conviction?

that I recoded: 0= no, 1=yes, the results shows that there is a negative significant relation (coef.: -0.2538; p-value: 0,015) that means, as I supposed,

that when someone has any friend or relative with criminal conviction this can lead to be less keen on death penalty.

Then I made a second logistic regression using as explanatory variable both:

W1_P10: Do you have any friends or relatives having a criminal conviction?

W1_P9: Has anyone in your household ever been arrested for a crime?

The results shows that while the relation with W1_P10 remains statistically significant (coef.: -0.2337; p-value: 0,035),

The relation within response va. and W1_P9 is not (coef.: -0.0778; p-value: 0,595), because p-value > 0,05.

So the potential confounding variable W1_P9 does not invalidate the statistical relation within W1_P10 and the response variable.

Then I made a third logistic regression considering also other 3 explanatory variable:

the Age: (PPAGE coeff.: 0.0028; p-value: 0.393) which is not statistically significant because p-value > 0,05.

Gender (PPGENDER coeff: 0.3900; p-value:0.000) which has a statistically significant relation with the response variable

Household annual income ( PPINCIMP coeff.: 0.0288; p-value: 0.010 ) which also has a statistically significant relation with the response variable.

To be short, I comment only the odds ratio of the third Logististic regression that are:

Odds Ratios

Intercept 0.56

W1_P10 0.77

W1_P9 0.95

PPAGE 1.00

PPGENDER 1.48

PPINCIMP 1.03

It’s important to notice that the odd ratio of the primary explanatory variable W1_P10 = 0.77 is less than 1,

so it means that when the interviewed people have friends/relatives with criminal convictions, they’re less keen in considering death penalty more appropriated than life-imprisonment.

PPAGE odds ratio = 1 means that it isn’t statistically significant.

PPGENDER odds ratio = 1,48 means that men (in my data management 0= Female; 1= Male) are 1,5 times more keen to death penalty than women.

PPINCIMP odds ratio= 1,03 means that the positive association within household income and death penalty is very week (close to zero).

Looking at the 95% confidence intervals for the odds ratios, I can say that after adjusting for potential confounding variables (W1_P9),

the odds of beeing keen on death penalty is lower (< 1) for people having friends/relatives with criminal convictions

and the 95% percent fall somewhere between 0.62 and 0.96.

(OR=0,77, 95% CI = 0.62 - 0.96, p=0.020).

Lower CI Upper CI OR

Intercept 0.37 0.85 0.56

W1_P10 0.62 0.96 0.77

W1_P9 0.71 1.28 0.95

PPAGE 1.00 1.01 1.00

PPGENDER 1.20 1.82 1.48

PPINCIMP 1.01 1.05 1.03

===============================================================================

PYTHON CODE:

# -*- coding: utf-8 -*-

"""

Logistic Regression Model

@author: Lorenzo Lesca

"""

import numpy

import pandas

import statsmodels.api as sm

import seaborn

import statsmodels.formula.api as smf

import matplotlib.pyplot as plt

# bug fix for display formats to avoid run time errors

pandas.set_option('display.float_format', lambda x:'%.2f'%x)

ool= pandas.read_csv('/Users/lorenzo/Documents/Coursera/02_Data_Analysis_Tools/Week_1/files/ool_pds.csv', low_memory=False)

ool['W2_QK3'] = pandas.to_numeric(ool['W2_QK3'], errors='coerce')

ool['W1_P9'] = pandas.to_numeric(ool['W1_P9'], errors='coerce')

ool['W1_P10'] = pandas.to_numeric(ool['W1_P10'], errors='coerce')

ool['PPGENDER'] = pandas.to_numeric(ool['PPGENDER'], errors='coerce')

# select only Head of Household

data=ool[(((ool.W2_QK3 == 1) | (ool.W2_QK3 == 2)) & ((ool.W1_P9 == 1) | (ool.W1_P9 ==2))

& ((ool.W1_P10 == 1) | (ool.W1_P10 ==2)))]

#recoding Death Penality 0= prison, 1= death penality

recode1 = {1: 1, 2: 0}

data['W2_QK3']= data['W2_QK3'].map(recode1)

data['W1_P9']= data['W1_P9'].map(recode1)

data['W1_P10']= data['W1_P10'].map(recode1)

#recoding gender 0= female, 1= male

recode2 = {1: 1, 2: 0}

data['PPGENDER']= data['PPGENDER'].map(recode2)

print("W2_QK3: do you think is the better penalty for murder-the death penalty, or life imprisonment?")

print("0=Prison, 1=Death Penality")

ct1 = data.groupby('W2_QK3').size()

print (ct1)

print("")

print("W1_P9: Has anyone in your household ever been arrested for a crime?")

# print("0=No, 1=Yes")

ct1 = data.groupby('W1_P9').size()

print (ct1)

print("")

print("W1_P10: Do you have any friends or relatives having a criminal conviction?")

# print("0=No, 1=Yes")

ct1 = data.groupby('W1_P10').size()

print (ct1)

print("")

# ###############################################################

# logistic regression

# ###############################################################

# logistic regression 1

lreg1 = smf.logit(formula = 'W2_QK3 ~ W1_P10', data = data).fit()

print (lreg1.summary())

# odds ratios

print ("Odds Ratios")

print (numpy.exp(lreg1.params))

# odd ratios with 95% confidence intervals

params = lreg1.params

conf = lreg1.conf_int()

conf['OR'] = params

conf.columns = ['Lower CI', 'Upper CI', 'OR']

print (numpy.exp(conf))

# logistic regression 2

lreg2 = smf.logit(formula = 'W2_QK3 ~ W1_P10 + W1_P9', data = data).fit()

print (lreg2.summary())

# odds ratios

print ("Odds Ratios")

print (numpy.exp(lreg2.params))

# odd ratios with 95% confidence intervals

params2 = lreg2.params

conf2 = lreg2.conf_int()

conf2['OR'] = params2

conf2.columns = ['Lower CI', 'Upper CI', 'OR']

print (numpy.exp(conf2))

# logistic regression 3

lreg3 = smf.logit(formula = 'W2_QK3 ~ W1_P10 + W1_P9 + PPAGE + PPGENDER + PPINCIMP', data = data).fit()

print (lreg3.summary())

# odds ratios

print ("Odds Ratios")

print (numpy.exp(lreg3.params))

# odd ratios with 95% confidence intervals

params3 = lreg3.params

conf3 = lreg3.conf_int()

conf3['OR'] = params3

conf3.columns = ['Lower CI', 'Upper CI', 'OR']

print (numpy.exp(conf3))

===============================================================================

RESULTS:

runfile('/Users/lorenzo/Documents/Coursera/03_Regression Modeling in Practice/Week_4/python/Submission_Week_4_Log_Reg_2.py', wdir='/Users/lorenzo/Documents/Coursera/03_Regression Modeling in Practice/Week_4/python')

W2_QK3: do you think is the better penalty for murder-the death penalty, or life imprisonment?

0=Prison, 1=Death Penality

W2_QK3

0 764

1 726

dtype: int64

W1_P9: Has anyone in your household ever been arrested for a crime?

W1_P9 (0= NO, 1= YES)

0 1232

1 258

dtype: int64

W1_P10: Do you have any friends or relatives having a criminal conviction?

W1_P10 (0= NO, 1= YES)

0 814

1 676

dtype: int64

Optimization terminated successfully.

Current function value: 0.690832

Iterations 4

Logit Regression Results

==============================================================================

Dep. Variable: W2_QK3 No. Observations: 1490

Model: Logit Df Residuals: 1488

Method: MLE Df Model: 1

Date: Sun, 27 Jun 2021 Pseudo R-squ.: 0.002872

Time: 13:39:53 Log-Likelihood: -1029.3

converged: True LL-Null: -1032.3

Covariance Type: nonrobust LLR p-value: 0.01489

==============================================================================

coef std err z P>|z| [0.025 0.975]

------------------------------------------------------------------------------

Intercept 0.0639 0.070 0.911 0.362 -0.074 0.201

W1_P10 -0.2538 0.104 -2.432 0.015 -0.458 -0.049

==============================================================================

Odds Ratios

Intercept 1.07

W1_P10 0.78

dtype: float64

Lower CI Upper CI OR

Intercept 0.93 1.22 1.07

W1_P10 0.63 0.95 0.78

Optimization terminated successfully.

Current function value: 0.690737

Iterations 4

Logit Regression Results

==============================================================================

Dep. Variable: W2_QK3 No. Observations: 1490

Model: Logit Df Residuals: 1487

Method: MLE Df Model: 2

Date: Sun, 27 Jun 2021 Pseudo R-squ.: 0.003009

Time: 13:39:53 Log-Likelihood: -1029.2

converged: True LL-Null: -1032.3

Covariance Type: nonrobust LLR p-value: 0.04477

==============================================================================

coef std err z P>|z| [0.025 0.975]

------------------------------------------------------------------------------

Intercept 0.0682 0.071 0.966 0.334 -0.070 0.207

W1_P10 -0.2337 0.111 -2.105 0.035 -0.451 -0.016

W1_P9 -0.0778 0.146 -0.532 0.595 -0.365 0.209

==============================================================================

Odds Ratios

Intercept 1.07

W1_P10 0.79

W1_P9 0.93

dtype: float64

Lower CI Upper CI OR

Intercept 0.93 1.23 1.07

W1_P10 0.64 0.98 0.79

W1_P9 0.69 1.23 0.93

Optimization terminated successfully.

Current function value: 0.682671

Iterations 4

Logit Regression Results

==============================================================================

Dep. Variable: W2_QK3 No. Observations: 1490

Model: Logit Df Residuals: 1484

Method: MLE Df Model: 5

Date: Sun, 27 Jun 2021 Pseudo R-squ.: 0.01465

Time: 13:39:53 Log-Likelihood: -1017.2

converged: True LL-Null: -1032.3

Covariance Type: nonrobust LLR p-value: 1.317e-05

==============================================================================

coef std err z P>|z| [0.025 0.975]

------------------------------------------------------------------------------

Intercept -0.5763 0.213 -2.710 0.007 -0.993 -0.160

W1_P10 -0.2607 0.112 -2.325 0.020 -0.480 -0.041

W1_P9 -0.0520 0.150 -0.345 0.730 -0.347 0.243

PPAGE 0.0028 0.003 0.855 0.393 -0.004 0.009

PPGENDER 0.3900 0.106 3.684 0.000 0.183 0.598

PPINCIMP 0.0288 0.011 2.565 0.010 0.007 0.051

==============================================================================

Odds Ratios

Intercept 0.56

W1_P10 0.77

W1_P9 0.95

PPAGE 1.00

PPGENDER 1.48

PPINCIMP 1.03

dtype: float64

Lower CI Upper CI OR

Intercept 0.37 0.85 0.56

W1_P10 0.62 0.96 0.77

W1_P9 0.71 1.28 0.95

PPAGE 1.00 1.01 1.00

PPGENDER 1.20 1.82 1.48

PPINCIMP 1.01 1.05 1.03

/Users/lorenzo/Documents/Coursera/03_Regression Modeling in Practice/Week_4/python/Submission_Week_4_Log_Reg_2.py:30: SettingWithCopyWarning:

A value is trying to be set on a copy of a slice from a DataFrame.

Try using .loc[row_indexer,col_indexer] = value instead

See the caveats in the documentation: https://pandas.pydata.org/pandas-docs/stable/user_guide/indexing.html#returning-a-view-versus-a-copy

data['W2_QK3']= data['W2_QK3'].map(recode1)

/Users/lorenzo/Documents/Coursera/03_Regression Modeling in Practice/Week_4/python/Submission_Week_4_Log_Reg_2.py:31: SettingWithCopyWarning:

A value is trying to be set on a copy of a slice from a DataFrame.

Try using .loc[row_indexer,col_indexer] = value instead

See the caveats in the documentation: https://pandas.pydata.org/pandas-docs/stable/user_guide/indexing.html#returning-a-view-versus-a-copy

data['W1_P9']= data['W1_P9'].map(recode1)

/Users/lorenzo/Documents/Coursera/03_Regression Modeling in Practice/Week_4/python/Submission_Week_4_Log_Reg_2.py:32: SettingWithCopyWarning:

A value is trying to be set on a copy of a slice from a DataFrame.

Try using .loc[row_indexer,col_indexer] = value instead

See the caveats in the documentation: https://pandas.pydata.org/pandas-docs/stable/user_guide/indexing.html#returning-a-view-versus-a-copy

data['W1_P10']= data['W1_P10'].map(recode1)

/Users/lorenzo/Documents/Coursera/03_Regression Modeling in Practice/Week_4/python/Submission_Week_4_Log_Reg_2.py:36: SettingWithCopyWarning:

A value is trying to be set on a copy of a slice from a DataFrame.

Try using .loc[row_indexer,col_indexer] = value instead

See the caveats in the documentation: https://pandas.pydata.org/pandas-docs/stable/user_guide/indexing.html#returning-a-view-versus-a-copy

data['PPGENDER']= data['PPGENDER'].map(recode2)

[exitrealtycentral]

1053 Hugo Street, Norfolk, Virginia 23513

Property Details For 1053 Hugo Street, Norfolk, Virginia 23513

Calling all investors! Great investment opportunity! Top unit is rented. Other unit vacant. Both units 2bed/1bath total rent is $1650.00. Add this gem to your portfolio. Add this residual income to your portfolio.

See other houses for sale in Norview!

Or call 757-466-1009 to talk with a REALTOR®!

var srp_listing_values = lat: '36.89125202601743', lng: '-76.24237881661254', address: '1053 Hugo Street, Norfolk, Virginia 23513', city: 'Norfolk', state: 'VA', zip_code: '23513', title: 'Neighborhood Profile', listing_price: '', bedrooms: '', bathrooms: '', html: '<div class="infoWindow" style="max-width:300px; line-height: normal;"><div class="srp-map-location-title" style="font-size: 1.2em;"><b>Neighborhood Profile<p>1053 Hugo Street, Norfolk, Virginia 23513, Norfolk VA 23513' ; var load_srp_functions = ['srp_altos_stats_content_init','srp_mortgage_content_init','srp_walkscore_content_init']; var srp_profile_view = 'srp_profile_tabs';

Map

Market Stats

Financing

Walkability

Location Map

- Home For Sale

[vanitab60547]

How To Stop Smoking Weed - Successful Methods

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[valoansarlingtontx]

VA Loans in West Tawakoni Texas

Contents

Specific home loan benefits

Military local business reviews northeast. florida

Virginia 4 living-units. conventional loan

Market interest rates

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