Veterans have some significant advantages over other borrowers once it comes to home refinancing. The government, aimed to help former service members, offers quite a few options. Whether you just want lower monthly mortgage payments, or have major expenditure in mind, such as home renovation or a large purchase, VA may offer a low-cost solution. Many veterans also take advantage of VA loans if they need debt consolidation, as it allows for getting out of debt quicker and saving money on rates and loan fees. No matter what your goals are, the following financing options, available through VA only, may help:
VA Streamline Refinance Loan
Being the best construction loan texas refinance product in the lending market today, VA streamline refinance loan may help you to refinance at an attractive rate and flexible terms, bringing the benefit of reduced monthly payments and lower overall borrowing cost. It is also known as IRRRL and has very relaxed qualification requirements. Credit scores of the borrowers are commonly not considered, making it an extremely attractive choice for bad credit borrowers.
VA Debt Consolidation Loan
VA debt consolidation loan allows you to borrow as much as 100% of your home equity. It is great for home owners who have accumulated some equity in their homes and are looking to consolidate all or part of their debts into one loan with lower interest and more affordable payments. Due to attractive interest rates and prolonged durations, it is probably one of the most money-saving debt consolidation products in the market today.
VA Refinance Relief
Recent real estate crisis that left many households with decreased home values also caused many to get upside-down on their mortgages. VA refinance relief, a lending product specifically developed to assist troubled home owners, allows veterans to refinance their non-VA loans that have less attractive terms. Available to qualified veterans and active duty members, VA refinance relief is an attractive solution to those who have no equity due to real estate market crash.
VA Home Improvement Loan
The name says it all – this loan is designed for borrowers looking to improve their living conditions. This loan allows you to borrow up to 90% of your home value at a low rate in order to perform value-adding enhancements to your home, such as structural repairs, refurbishments, furnace replacements, and so forth.
VA Energy Efficiency Mortgage
You may add up to $6,000 with this lending product to the overall borrowed amount should you make energy efficient upgrades to your home or purchase a new energy efficient Houston Home Loans. Despite the need to have your house evaluated by an approved third party, it is an attractive incentive to individuals looking to purchase a higher-priced energy-saving home.
VA Cash Out Refinance Loan
VA cash out refinance loan is one to consider for veterans with excellent credit history who have some equity in their homes. While it is most commonly used for debt consolidation, the loan proceeds may be utilized for any purpose: making …
The holidays are almost upon us and it is now time to start thinking about how you will handle the tug of war that occurs in offices around the world concerning the appropriate seasonal decorations that can and cannot be used in offices. Approximately half of your employees’ waking hours are spent at work, which is why many of your employees want to liven up their work areas with seasonal decorations. Unfortunately, this can cause problems within the workplace. Check out this guide from House of Fisher on how to keep everyone happy.
Problems Arise Due to Differing Opinions
One of the most common issues that arise when it comes to holiday decorations is the opinions of others as to what decorations are appropriate and which holiday should be celebrated. Most offices and businesses have adapted to mixing the traditions associated with Christmas, Hanukkah, and Kwanzaa together due to the makeup of their staff. This can help with camaraderie and may open up conversations about how the holidays differ. Unfortunately, it can also give rise to the battle for the rights of those who do not celebrate the holidays and those who embrace holiday decorations wholeheartedly. One of the best things that you can do to help prevent or diminish the division around holiday decorations is to establish a company policy concerning holiday decorations and safety issues.
You may want to start by publishing a set of rules that states the types of holiday decorations that are acceptable and what items are not acceptable due to safety reasons. For example, you can require that all items be flame retardant and no candles can be lit. Lights should be rated for indoor use and all hallways and exits should be free of all displays to prevent the flow of traffic through the area. This is a straightforward approach that can be quite simple.
Unfortunately, dealing with seasonal displays and music can be more difficult. Items like scented pine cones can irritate employees’ noses, the blinking Christmas lights can cause headaches and the music can be disruptive to your staff. You want to make sure that all of your employees are happy and not cater to a few who want holiday decorations throughout your workspace. If your employees have individual offices, it can be easier to deal with. If, on the other hand, they work at cubicles, their holiday decorations can infringe on their neighbour’s space. If you decide to allow decorations at cubicles make sure that all decorations are contained within the cubicle and that it does not interfere with the employee’s or other employees’ ability to work.
Survey Results Concerning Holiday Decor Policies Around the Country
The International Facilities Management Assoc. (IFMA) completed a study in 2006 of their members, concerning the policies surrounding holiday decorations in the workplace. Ninety-four per cent of survey respondents reported that they allow their employees to decorate their office for the holidays. Christmas decorating was the most common holiday decorated for, with Hanukkah …
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