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Veterans Advice Hub

Bill Kelly Loan Officercreated the blog entry Can I Work Or Not? All 100%s are Not the Same!

There are essentially two types of 100% ratings (for our discussion, it doesn't matter if they are P&T or not); Schedular rating - which uses the VA Schedule for Rating Disabilities (VASRD) to rate veterans for their service-connected items ( …

2 months ago

 
Veterans Advice Hub

Bill Kelly Loan Officercreated the blog entry VA COVID Vaccination and VA Enrollment

This is a quick follow-up to my recent VA Covid vaccination video. To get the COVID Vaccine from the VA, you have to be enrolled in the VA healthcare system. Just enrolled, you don't have to actually use VA healthcare, and VA healthcare enrollment …

2 months ago

 
Veterans Advice Hub

Bill Kelly Loan Officercreated the blog entry Eligibility, Entitlement and Enrollment

The VA terms Eligibility, Entitlement and Enrollment get tossed around a lot these days. Here is the short version: Eligibility: Requirements the veteran must meet in order to access or use that specific VA benefit. Eligibility requirements …

2 months ago

 

Bill Kelly Loan Officercreated the blog entry Why Owning a Home is Better

Yes, Owning a Home Is Better! Here are some great tidbits from our friends at KCM on the general benefits of home ownership. Here are a few more - pay your mortgage instead of your landlord's mortgage, improvements made over time will add value to your …

1 year ago

 

Bill Kelly Loan Officercreated the blog entry Should I Refinance Now? Yes!

Want to see if you can lower your monthly mortgage payment? Tired of paying PMI, looking to update the kitchen or maybe that avocado colored bathroommight just have to go? Now is a really good time to consider refinancing. Rates, which do fluctuate but …

1 year ago

 

Bill Kelly Loan Officercreated the blog entry Know Your Limits

County By County Loan Limits Matter! The Federal Housing Finance Agency (FHFA) sets the conforming loan limit for each county, based on annual variations in median home prices ( See 2019 here ). What this means for you is increased buying …

1 year ago

 

Bill Kelly Loan Officercreated the blog entry No Excuses in 2019! Don't Let Student Loans Stop You!

Student loan debt is like any other recurring debt, if you manage it and stay current, it is just one of the factors used to determine your debt to income ratio. This ratio is one of the factors considered when a lender evaluates you for loan …

1 year ago

 

Bill Kelly Loan Officercreated the blog entry Be prepared - 10 Steps to Buying a Home

Here is a great infographic of the home buying process. Getting that mortgage locked down is important to crafting competitive offers with your buyer's agent. I c an help you develop a mortgage plan and connect you with some top-notch realtors to act …

1 year ago

 
Veterans Advice Hub

Bill Kelly Loan Officercreated the blog entry Not All BAH is Created Equal

Veterans Tip of the Week Not All BAH is Created Equal Question: Why is the BAH associated with my Post 9/11 GI Bill not considered allowable income for qualification on my VA Home Loan, but BAH on active duty is allowed? Two reasons: First , use …

1 year ago

 
Veterans Advice Hub

Bill Kelly Loan Officercreated the blog entry Fear and Self-loathing, You are Not Alone!

Veterans Tip of the Week Fear and Self-loathing, You are Not Alone! I just helped an elderly woman step down the curb. She was standing at the curb, cane in hand, hesitating, clearly concerned and distressed. People walked by without noticing her …

1 year ago

 
Veterans Advice Hub

Bill Kelly Loan Officercreated the blog entry Buddies are Good Medicine

Veterans Tip of the Week Buddies are Good Medicine. I had a great two days that really recharged me and helped me connect with a bunch of great veterans. It struck me that it was the simple act of being together and just grab-assing and sharing …

1 year ago

 
Veterans Advice Hub

Bill Kelly Loan Officercreated the blog entry Survivor Benefits - Worth Looking at Ahead of Time

Veterans Tip of the Week - Survivor BenefitsPlease Share with Your Spouse! This may be an uncomfortable topic, a sad topic, a topic families do not want to talk about, but it is one every veteran should have with their spouse. I was surprised to …

1 year ago

 
Veterans Advice Hub

Bill Kelly Loan Officercreated the blog entry Forever GI Bill

Veterans tip of the Week Education is Forever, and Forever is Better! I am a big advocate for veterans using their earned VA benefits! One of the best benefits out there is the Post 9/11 GI Bill, and it just got better! The Harry W. Colmery …

1 year ago

 

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Bill Kelly Loan Officerreceived the badge Getting started

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