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A VA guaranteed mortgage is the usually the best way for active or inactive veterans to purchase a home. The VA mortgage allows the buyer to purchase a home with absolutley no out of pocket expenses!

There are closing costs associated with the purchase of a home. These costs can be paid by the seller of the property on the buyers behalf. However Gonzalo Higuain Jersey , these costs must be included into the sales price of the home.

When negotiating to purchase a home, explain to your sales agent that you wish for the seller to pay your closing costs as part of the deal. Costs that you wish the seller to pay are costs such as lender fees,attorney fees, state and local taxes, etc. Be sure to get a Good Faith Estimate from your lender, so you will know the exact amount of the costs associated with your VA loan.

VA loans have no monthly private mortgage insurance like most conventional loans, so in most cases your monthly payment will be much less. VA loans have VA funding fees that are charged up-front and included into your loan amount. The funding fee is 2.15% of the loan amount for a first time VA user and 3.00% for second and subsequent use.

VA interest rates will vary from lender to lender Giorgio Chiellini Jersey , so shop around to see who is offering the best deals. Be careful though, as some lenders will offer you a low rate, but charge discount points to increase their profitability.

If you have questions, comments or would like to apply for a VA guaranteed loan. Apply online at

Glenn Keller is an associate with Affordable Home Funding at 1204 Hospitality Ave. Kingsland, Georgia 31548 He specializes in VA, FHA and Conventional mortgage lending. Apply online or get contact information by visiting our website at The holidays are a wonderful time to relax and spend time with your loved ones. It can seem sometimes that with all of the modern technology around us, we forget about simpler times and traditional holiday family time. One way to capture the holiday moment is to make a few classic holiday recipes.

Below are a few classic holiday recipes for your family:

Buttery Eggnog: This is alcohol free eggnog that can be enjoyed by the entire family Gianluigi Buffon Jersey , including children and expectant mothers. Ingredients include: 6 eggs, 录 cup sugar, 1 teaspoon butter flavor extract, 4 cups milk, 录 teaspoon nutmeg, 录 teaspoon cinnamon, Use a whisk to mix the eggs and sugar in a saucepan over low heat. Stir in 2 cups of milk and cook mixture over low heat. Make sure that you continually stir until it thickens a bit. Remove from heat and mix in the rest of the milk and the butter flavor extract. Chill before serving.

Holiday Cheesecake: Acquire 1 Graham Cracker Crust or make your own graham cracker crust. Ingredients include: 2 (8 oz) packages cream cheese Federico Mattiello Jersey , softened, 12 C Sugar, 2 Eggs, and 12 Tsp Vanilla. Preheat the oven to 325 degrees. Beat cream cheese until fluffy. Add the remaining ingredients and beat until smooth. Pour into crust. Bake for 35 minutes. Remove and let it to completely cool. Now, make the topping: You will need 1 C Sour Cream, 12 C Sugar, and 14 Tsp Vanilla Extract. Mix until well blended. Pour over the cheesecake. Add a fruit topping. Place in the Refrigerator until it is time to serve. It is a delicious holiday sweet.

Classic Holiday Glazed Ham: Ingredients you will need include: 1 ham (half or whole) Federico Bernardeschi Jersey , 1 jar of maraschino cherries, 10 - 15 whole cloves, 1 can of sliced pineapples, 2 tablespoons yellow mustard, and 34 cup of brown sugar (light). First you must preheat the oven as stated on the package that the ham was in. Then bake the ham as instructed from the cooking directions on the package. About 45 minutes prior to the ham being completely cooked, remove it from the oven. Arrange the pineapple slices on top of the ham and hold them with the cloves. If you are not using cloves, then use toothpicks. Put a cherry in the middle of each pineapple slice and hold them with a toothpick or clove. In a bowl Fabrizio Caligara Jersey , mix the mustard, brown sugar, and the juice from the can of pineapples to make the glaze for the ham. Bake the ham for 30 minutes. Take the ham out of the oven and it is ready to be carved.

Rum Ball Recipe: This recipe is a delicious holiday treat. Ingredients include 200 g (7 oz) finely ground shortbread cookies, 200 g (7 oz) butter, melted, 50 g (1.7 oz) cocoa, 300 g (10 oz) powdered sugar Emil Audero Jersey , 1 tablespoon vanilla extract, 1 tsp rum, and 1-2 eggs. Mix all ingredients together and then shape into balls.

This holiday season take a little time to make some classic holiday recipes for your family, neighbors, and friends. You will enjoy adding traditional holiday customs in this high-tech modern world.
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