Submitting Job Applications to Veterans Affairs

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The US of Veterans Affairs provides a great line of jobs to persons who desire to work and be a part of this agency. The Veterans Affairs career categories are as follows: engineering / architecture / technical support, health care, business/administration, legal and expert skilled occupations. The typical poses in health category are doctors, nurses, nursing assistants, laboratory technician, research scientist and the likes. These categories require different qualifications and employment processes that should be taken into consideration by anyone who has interest in applying for the available poses.

When applying to any Veterans Affairs‘ poses, one must be aware of the requirements of the pose and the procedures. Individuals who have interest in applying are advised to visit the USA Jobs Site always for the needed job positions. This will give applicants a chance to be oriented with the requirements of the position that they are applying to.

Reading and following directions for all vacancy announcements are extremely important. The resumes of the applicants should address the qualifications such as knowledge, skills and abilities by writing it down on a separate paper or highlighting it. The curriculum vitae should also have supplemental information such as country of citizenship, veterans preference entitlement, reinstatement eligibility and other details for reference. This will give the reviewer an easy mean to determine if an applicant is qualified for the vacant pose.

However, if the applicant will use the Application for Fed Employment (OF-612), he/she should follow the steps mentioned in the form. The Veterans Affairs is particular with the required details so he/she must be extremely cautious in accomplishing the form.

Similar to any other occupation, applying for a United States federal position can take time. Others look at it as one time shot so fascinated applicants should take it into consideration as well. The resumes or filled up forms will be the initial spokesperson of the applicant so it should be complete, sincere and honest. Application letters don’t need to have fancy words to be able to make it for the vacant pose. Keeping it straightforward and easy to read is their passport to become a part of any departments in the United States such as the Department of Veterans Affairs. GiBill.Va.Gov

Liza Chua is a member of Veterans Advantage that supports and provides a great line of benefits to US’ military people such as Jackson Hewitt deals. She is also a member of Liberty Fun Pass.

Using Your VA Benefits to Purchase a Home

GiBill.Va.Gov – GI Bill Programs : Veterans Affairs, Veterans Administration -  Va Benefits for All Veterans of U.S military service – Department of Veterans Affairs: Va Benefits, Va Hospital, Va Home Loans

Veterans work hard to fight for our country. The GI Bill and their VA benefits can be used to help purchase a home.

The government has been supporting veterans and their families dream of home ownership since 1944 when the GI Bill was first introduced. This bill provided a government loan guarantee to lenders willing to provide veterans with a home loan. This reduced lenders risk and made purchasing a home easier for veterans. Since then over 25 million veterans have use the GI Bill to purchase a home and you could become one of them. GiBill.Va.Gov

Many people do not understand how a VA loan works or who issues them. The government does not directly lend to veterans, rather it guarantees the loan so that other lenders (banks, credit unions, brokers) can lend to veterans knowing the government will guarantee the loan in the event the mortgage does not get paid. They guarantee 25% which is what allows VA loan programs to provide mortgage loans at reasonable loan rates and with zero or low down payments. Think of the government as your personal cosigner. Instead of a rich uncle signing on your loan – you have Uncle Sam.

In order to qualify for a VA loan there is a time in service requirement. Veterans need to be active duty or discharged with a minimum of 90 days served during war time or 181 days served during peace time. All branches of the military qualify including the National Guard. Those in the National Guard need to have served for six years. The other condition is that your discharge paperwork cannot be for a dishonorable discharge.

The VA is determined to ensure veterans and their families can own a home that they can afford. During the underwriting process they will determine if you can afford the home you want to purchase. Normally lenders calculate your debt to income ratio (how much you pay monthly toward debt obligations compared to how much income you make) by going off of your credit report and future home payment. The VA does additional analysis to take into account real life expenses like food and caring for children. This additional underwriting helps to ensure that veterans are in a home that is the right price bracket for what they can reasonably afford. Va Benefits

The VA also wants to make sure that the home is safe and in good condition so an appraisal is required. When the appraisal is conducted the home must have a life expectancy at least that of the loan term. For example if the home is deemed to need to be replaced in 20 years a borrower will not qualify for a 30 year loan. This is especially important if a veteran is purchasing a manufactured home. If the appraisal shows that values in the area are declining the loan cannot be for more than 90% of the value. This is to ensure that the loan does not become upside down (owing more than the home is worth). These additional rules are geared toward protecting veterans and ensuring they do not enter a loan situation that could be negative for them down the road.

If you are a veteran that has served or is currently serving in the military contact a professional mortgage lender to learn how you can use the GI Bill to purchase a home. If you already own a home your Va Benefits can be used for a refinance loan. Rates are low and home values are stabilizing so now is a great time to purchase. Contact a mortgage banker to determine what mortgage rates and mortgage loan programs you qualify for.

In closing, Bethany understands the benefits that United States veterans deserve. That is why she writes about veteran loans while 30 year mortgages are available with low interest rates. She believes that this is the time to buy before rates and home values start to rise.