
Veterans or those on active duty can avail of VA loans for any financing purposes. The federal government guarantees these loans. However, to get them, there are specific steps to be followed for successful application. These steps include everything from looking for the best VA loan lenders to maintaining a stable credit score. Here are a few easy steps to make a successful loan application for veterans.
1. Get preapproval for the VA loan
With preapproval, you can determine your budget. This process involves telling your VA loan lender about your homebuying goals, employment history, and military service. Some documents required during this process include copies of your driver’s license, DD-214 or Guard/Reserve points statements, recent pay stubs, and bank statements.
2. Look for VA-approved loan lenders
Always shop for a lender who is an active participant in the VA loan program. The best VA loan lenders would offer several options and deals. The deals generally differ based on discount points, interest rates, and VA closing costs. If you face any difficulty, a loan officer can help you find the right VA loan lender.
3. Get an eligibility certificate
A certificate of eligibility or COE is proof that you have met all the eligibility criteria for the VA loan. You can obtain the COE directly through the government’s online portal for VA. However, VA loan lenders also offer ways of applying for a COE.
4. Get a contract or purchase agreement signed
A purchase agreement or contract is essential to get ahead with the VA loan process. This contract encompasses multiple contingencies, such as assurance of home inspection, the process of handling repair requests, the number of days for the buyer to secure the finances, and so on. A loan officer and real agent can assist you in preparing a robust contract.
5. VA loan closing
This is the final step. Before loan closing, most VA loan lenders verify your employment and other crucial information for the last time. Then a Closing Disclosure is dispatched right before the loan closing is scheduled. With this document, you can compare the loan information and final closing costs with the initial estimates.
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Abdominal Pain – Types and CausesRead More...
Abdominal pain causes extreme discomfort due to pain experienced anywhere between the lower chest and the groin. Abdominal pain varies from acute to chronic pain. It may be a dull sensation or a sharp, searing pain. There are several causes of the disease and it has many different symptoms. A few symptoms of abdominal pain include ulcers of the stomach, gallbladder disease, food poisoning, appendicitis, cysts, fibroids, STDs, cancer, and vascular problems. If you are suffering from pain in the abdomen for a prolonged period of time, it is absolutely necessary to visit a doctor and get it diagnosed at the earliest. Abdominal pain is generally described on the basis of the location of the pain, the type of pain, and its intensity.
Location of abdominal pain
- Upper abdominal pain
- Lower left abdomen pain
- Right upper and pain in lower abdomen
- Pain in the pelvis
Types of abdominal pain
The type of abdominal pain can go a long way in helping to determine the underlying cause of the pain. At times, it is difficult to categorize the kind of pain thus making it difficult to diagnose the disease. Here are a few common types of abdominal pain:- Sharp pain
- Dull pain
- A stabbing sensation
- Tearing pain
- Experiencing cramps
- Twisting pain
- Extreme pressure
- Bloating
Causes of abdominal pain
Abdominal pain is quite common, and it can be complicated and caused by a number of factors. To put it into perspective, abdominal pain is one of the top two reasons why Americans visit the emergency room. Here are a few of its most common causes:- Stomach flu
- Gas
- Acid reflux
- Irritable bowel syndrome
- Vomiting
- Gastritis
- Food intolerances
- Constipation
- Gastroesophageal reflux disease
- Crohn’s disease
- Stomach or peptic ulcers
- Celiac disease
- Strained or pulled muscles
- Menstrual cramps or endometriosis
- Bladder and urinary tract infections
While pain in the abdomen is a common problem in the country, there is no reason why you should not seek immediate treatment on contracting this ache. It is unpleasant and leads to a variety of different symptoms and aches. If you are suffering from any of the symptoms of the disease, visit a doctor immediately and get it diagnosed. Your health is solely in your hands. On a correct diagnosis, the doctor would recommend a treatment option or prescribe medications to help ease the pain and discomfort.
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5 errors truck drivers should avoid while on the roadRead More...
Driving a truck is no simple business as it involves many risks. Nearly all goods shipped across the country from major ports make their way inland after being brought in by a network of heavy-duty vehicles. It is a reason why truckers get paid big for long-haul cargo. The freight’s value also determines how much money can be made in a single trip. However, first-time drivers should be wary of some rookie mistakes during trips.
Misgauging distance
Big rigs take more time to come to a complete stop, especially at high speeds. Not gauging the distance properly could lead truckers to careen into the vehicle in front. This could even happen while changing lanes without leaving space for the trailer in the back, as it will swerve sharply at high speeds.Breaching speed limits
Driving fast is necessary to maintain the highway speed limit. But that does not mean one should drive rashly. It is also not very cool to tailgate other vehicles and prompt them to speed. If the driver ahead loses control, this could result in a catastrophic accident.Sleep deprived driving
When it comes to truck driving, deadlines are a crucial factor. But truckers are more likely to make silly driving mistakes that could result in a major accident if they don’t take adequate time to relax and cool down. Moreover, if the highway patrol catches drivers working overtime, a hefty fine and license suspension can bring the trucking business to a grinding halt.Bad timing for fueling
Fueling up just before a weighing station on the highway is a critical mistake. Simply because the weight of the fuel can put the truck overboard on the allotted minimum towage restriction for that particular state or national highway, it is always better to fill up the tanks once well underway on the journey after completing highway formalities.Distracted driving
Modern-day trucks have a lot of safety and automation features that monitor throttle response and braking. But these safety assists are no excuse for driving trucks while engaging in activities like checking the phone or eating while driving.Popular trucks for commercial driving
Pickups are the workhorse trucks used for commercial driving, capable of hauling and towing large loads across shorter distances while keeping the drive economical. Popular trucks like the Dodge RAM 1500, RAM 2500, and Toyota Tacoma pickups are some of the most functional and affordable trucks to compare and buy this year. Get revised quotes for new and used pickup trucks from local dodge pickup truck dealers and Toyota Tacoma dealers today.