Is a VA Home Loan Worth It?

Most Veterans know about the Department of Veterans' Affairs Home Loan program, and think that it will help them get their first home.  It is a great program, but before signing up for it take a look at other mortgage offers.  When I bought my first home, I found a better mortgage offer from the Department of Agriculture.  Everybody's situation is different, but in my situation, the option I chose worked best.  I did not have 20% to put down on my home, and most mortgages, including VA Home Loans require 20% down or you have to pay an extra fee every month until you have paid your mortgage down enough.  The Dept of Agriculture loan did not have that requirement, and I got a great rate.

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Merry Christmas

I just wanted to say Merry Christmas to everybody, and that I hope you have a safe holiday season with loved ones.  I know that many of the people that read this blog are not in the best of situations, whether it is a disability or otherwise, but remember that there is always somebody in a worse situation and be happy for what you do have.  It can be hard, but just do it.  Everybody that loves you wants to see you in a good mood, and so do I.

Feel free to share your holiday experiences with all of us, as I am about to.

My neice was born a couple of weeks ago, and she is absolutely beautiful.  My brother, her dad, was in Afghanistan when she was born, but he has been able to come home on leave to see her and his wife.  They were able to spend Christmas together, and they could not be happier.  I am very grateful to have an addition to the family, and I cannot wait to see her!

Mya Rhea Dade