A VA loan is a benefit provided to veterans, military personnel, and their spouses, wherein they can become homeowners. They are exempted from paying the down payment or any mortgage insurance. Private banks and mortgage companies provide these loans. A large number of options makes it challenging to select the right provider. Therefore, we have put together a list of the five best VA loan lenders of 2021.
Here are some of the best VA loan lenders:
Guaranteed Rate operates in all 50 states with over 300 branches nationwide. One can apply online and even undergo paperless document verification and approval. However, the pre-approval process is slower when compared to other providers. The company has a minimum credit score requirement of 600. Guaranteed Rate offers a variety of solutions, such as jumbo mortgages, FHA, and VA loans. However, it does not provide equity loans.
Flagstar Bank offers various home loan lending solutions to help buy, build, or refinance veterans’ homes. The company operates in all 50 states online and is available in 70+ branches across 29 states. It takes less than three days to pre-approve loans, and its closing time is approximately 30 days. Flagstar Bank offers low mortgage rates and has a lower-than-average credit score requirement.
Veterans United Home Loans
This organization offers a variety of loans, such as FHA, USDA, and jumbo loans. It allows fixed and adjustable-rate mortgages too. However, the company does not offer home equity loans. It charges higher rates than the other providers and provides in-person services in only 18 states. Nonetheless, Veterans United Home Loans’s online application and pre-qualification process are efficient, and it offers free credit counseling services through certain programs.
PenFed Credit Union
PenFed has a limited number of options. It offers fixed jumbo, VA mortgage loans, and home equity loans. The company has a higher credit requirement and does not charge any lender fees. It offers its services in all 50 states and has a few locations outside the country. At PenFed, pre-approval happens within three days, and the closing time is 35 days.
Quicken Loans is one of the largest loan providers in the country and provides a completely online and paperless experience. It has various pre-approval processes set up and takes up to 40 days for closing. The company requires a minimum credit score of 620 and offers various loans, such as Conventional, FHA, and VA.
4 ways to save on communication expensesRead More...
Living on a tight budget in today’s expensive city life is very difficult and tasking. A lot of people move to bigger cities for making a better living. While living in a busy city might be a dream for many, it is quite difficult to save up and cut back on expenses for the common man. With several users, cell phones have now become a necessity. However, with an increasing number of people using cell phones, the cost of communication is on the rise in big cities. Moreover, since many businesses solely run on communication the cost of cell phones and the related services is ever increasing. Therefore, to cut down on communication expenses, many people are applying for free government cell phones. Here are a few simple tips to save up those extra bucks while living the big expensive city life.
Apply for free government cell phones
The government has been helping citizens with taking care of their expenditure and savings. These days, a lot of people are applying for free government cell phones, which help you in saving up funds. With free government cell phones, the government pays for your calls and texts and completely takes care of all your mobile payments. However, when applying for free government cell phones, the government keeps track of your income, taxes, food stamps, etc. to ensure you fall under the category to avail of free government cell phones. This helps you cut back on phone-related expenses like mobile data, calls, and texts.
Apart from applying for free government cell phones, some other ways to save money are as follows:
Use electricity saving electronics
A lot of brands these days create energy saving electronics and equipment to ensure you save up on electric charges. Brands create energy saving bulbs, lights as wells as refrigerators, televisions and air conditioners which consume less electric current. These are divided into 4-star to 5-star savers, which save max electricity. These types of power saving equipment and electronics are expensive, but this should not scare you from investing in them as these are long-term power saving options. The more you use these electronics, the more you save up on electricity bills.
Opt for kitchen gardening
Grow your vegetables and herbs in your kitchen garden or balcony gardens. The first months before the first harvest are the longest, but if you are patient enough, your tiny kitchen and balcony gardens can yield the best harvest which you can use for weeks! You can have your very own organic fruits and vegetables without paying huge amounts for these in supermarkets!
Use local transport
Use the local buses, trains, and metros to reach to your work or everyday destinations in the lowest fares and on time. This not only saves your money but also saves your time which you will end up wasting in hours of traffic. With the rising fuel prices, use your car or bike only for short distance traveling and shopping.
Google Pixel 2 reviewRead More...
Google’s Pixel 2 is one of the most popular Android phones reviews people want to read. If you are looking for fair Android, iOS, or Windows phone reviews online, you are in the right place.
Below is a review of the Google Pixel 2, which will help you to make a fair and judicious choice before you head to the store to make the final purchase.
Starting at about $649, Google Pixel 2 is a viable smartphone which is a good combination of software from Google and a good camera packed into the smartphone.
In many Android phone reviews, a mention of the design aspect of Google Pixel 2 has been made. It measures 5.7 x 2.7 x 0.3 inches and fits easily into a single hand. This aspect has earned it much acclaim among mobile phone reviews as many people prefer a smartphone that can easily fit in one hand.
Its metal and glass back add a unique texture feel to the smartphone and makes it truly viable for the cell phone users. Different android phone reviews also point out that Google Pixel 2 is available in white, black, or blue-grey colors, which offers ample options for the avid cell phone users who might only wish to purchase the Google Pixel 2 smartphone. However, this smartphone does not have any memory card slot, no headphone jacks and no dual-SIM version which has not gone well in different android phone reviews available for Google Pixel 2.
- Battery and connectivity
Mobile phone reviews also highlight the battery aspect and connectivity options available for Google Pixel 2. It offers ample Wi-Fi support which is at par with that available for Samsung Galaxy smartphones and has Bluetooth 5.0 and NFC features. It comes packed with a 2700 mAh battery that lasts 8 hours and cannot be considered very good for a smartphone of the size of Google Pixel 2 according to android phone reviews available for Google Pixel 2.
Google Pixel 2 is known for its camera capabilities, a rare feature that has earned it accolades in different mobile phone reviews. It has a 12.2-megapixel camera that is considered among the best smartphone cameras.
Google Pixel 2 has another amazing feature that none of the Android smartphones on the market can offer. This smartphone comes with exclusive Google assistance feature which can make your life easier in a lot more ways than you might be able to think about.
Google has its own dedicated set of customers, and they have taken up Google Pixel 2 will gain much appreciation and acknowledgment. The smartphone despite its many shortcomings is undoubtedly worth purchasing, and you should definitely give it a try, in case you are still waiting to buy the same.