The Military Press May 2020

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Volume 45 • Number 8 • June 1, 2020

San Diego’s “SAVING GRACE” In the midst of the Corona 19 crisis . . .

OUR MILITARY!

Remember When 1962 Inside This Issue See Pages 6&7

SADDLEWOOD MODEL GRAND OPENING

AUDIE MURPHY RANCH IN MENIFEE

TODAY, FEB. 15 !

TH

WE

love OUR HEROES

UP TO $2,500 EXTRAORDINARY CITIZEN CREDIT*

Buying a home VA-backED LOAN

Get step-by-step instructions for buying a home through the VA home loan program.

What kind of VA-backed loan will I need to buy a home?

You’ll need a VA-backed purchase loan You’ll go through a private lender, like a bank or mortgage company, to get this loan. We’ll guarantee part of the loan against loss, which will allow your lender to give you better loan terms, like the option to pay no down payment.

How can I buy a home with a VA-backed loan?

Buying a home is a complex process, and getting a VA-backed loan is only one piece of the puzzle. Stay on track by following the steps below.

Steps to starting the process and finding a home Apply for your VA-backed home loan Certificate of Eligibility (COE) You’ll need to show your COE to your lender as proof that you qualify for the home loan benefit.

Find out if you qualify for a COE Apply for your COE now Look at your current finances Go over your credit profile, income, expenses, and monthly budget to make sure you’re ready to buy a home. Decide how much you want to spend on a mortgage—and be sure to include closing costs in the overall price.

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*Promotion subject to change. See individual builders for details. **As the referring broker or agent, you are required to personally escort your clients on their FIRST visit to an Audie Murphy Ranch neighborhood and introduce them to the sales representative on duty. The sales representative will assist you in the registration process, provide all the necessary forms and request the broker/agent’s business card at this time. We regret that no telephone or mail registrations will be accepted. Plans, pricing and product information are subject to change. Model photography for illustrative purposes only.

Models do not reflect racial preference. Map is an artist’s conception and is not to scale. Copyright ©2020 Brookfield Residential. All Rights Reserved. DRE License #01896289.

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May 1, 2020

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To learn more: Find out current VA home loan limits Read about the VA funding fee and other loan closing costs Get more advice from the Consumer Financial Protection Bureau (CFPB) Use CFPB’s mortgage calculator Choose a lender Remember, you’ll go through a private bank, mortgage company, or credit union—not through us—to get your loan.

Lenders offer different loan interest rates and fees, so shop around for the loan that best meets your needs.

Be prepared to pay lender fees. Many lenders charge Veterans using VA-backed home loans a 1% flat fee (sometimes called a “loan origination fee”). Lenders may also charge you additional fees. If you don’t know what a fee is for, ask the lender. In some cases, lender fees are negotiable.

To learn more: Read about the VA funding fee and other closing costs Choose a real estate agent Get recommendations for potential real estate agents online or from relatives, friends, and neighbors. Then meet with several agents to find one you like.

Read all agreements before signing with an agent. Make sure you understand any charges, fees, and commissions as well as your rights and obligations in the buyer-agent relationship.

Shop for a home Look at houses in your price range until you find one that works for you. When comparing homes, be sure to consider what factors are most important to you and your family.

These may include factors like how far you’ll need to commute to work and the quality of local schools.

Steps to buying your home Once you’ve found the house you want to buy: Work with your agent to put together and sign a purchase agreement Be sure the sales contract includes the “VA escape clause” or “VA option clause.” This provides an option to void the contract if the property doesn’t appraise for the contract price.

Review pre-closing paperwork and give your lender any other needed information Your lender must give you a Closing Disclosure at least 3 business days before closing. Be sure to read it carefully. It includes loan terms, fees, closing costs, and your estimated monthly mortgage payments. Your lender may also ask you to provide more information or documents at this time.

Close on your new home Your closing may be held at a title company, escrow office, or attorney’s office. Be prepared to sign a lot of documents—and be sure to take the time to read everything before you sign.

To learn more: Go to Fannie Mae’s website Move in After closing, you’re ready to move into your new home. Congratulations!

What if I need help or more information?

Call us at 877-827-3702 to find the nearest VA regional loan center. We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.

Ask your real estate agent for advice on other options for voiding the contract you may want to include, such as if the property fails a home inspection. These options are called contingencies.

To learn more, watch this helpful video: Using your VA home loan benefit: working with a Realtor and lender Have the house inspected and appraised We strongly recommend that you get an inspection to check for any major defects before you purchase your home. A VA-approved appraiser will also appraise the house to make sure it meets basic property condition requirements (called minimum property requirements, or MPRs), and will provide an opinion of value on the house. Please note that an appraisal isn’t the same as an inspection.

If the property doesn’t appraise at a value that’s high enough to get the loan, you have a few options. You can: Request a Reconsideration of Value (ROV). You can ask your real estate agent to provide the lender with valid sales data showing the property is worth more than its appraised price.

The lender will ask the appraiser to reconsider based on this information.

Renegotiate the sales price. Ask the seller to lower the price to match the appraised value.

Pay the difference between the appraised price and the sales price. To do this, you’ll need to pay this cost at closing.

To learn more, watch these helpful videos: VA home loans: What are MPRs? What’s the difference between VA’s appraisal process and a home inspection?

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May 1, 2020 3

COPING with this crisis

BECAUSE SERVICEMEMBERS DESERVE OPPORTUNITY You protect our freedoms, and for more than 70 years, University of Maryland Global Campus (UMGC) has brought an in-demand education to the front lines. Earn a respected degree no matter where you serve and get the dedicated support you need from a military-trusted university with more than 140 classroom and service locations worldwide, including at military installations. We are proud to provide servicemembers with undergraduate and graduate programs, online and hybrid course options, and academic and career mentoring. At UMGC, opportunity has no boundaries.

UMGC named the top public university in the Military Times Best for Vets 2020 ranking of online and nontraditional universities.

MADE FOR YOU

Call 619-550-1537 or visit UMGC.EDU/BASE

Effective July 1, 2019, University of Maryland University College (UMUC) changed its name to University of Maryland Global Campus (UMGC).

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© 2020 University of Maryland Global Campus

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N E H W R E B M REME

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May 1, 2020 7

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May 1, 2020 9

JUST FOR LAUGHS The engineer replies, “In the region of $125,000 a year, depending on the benefits package.” The interviewer inquires, “Well, what would you say to a package of five weeks vacation, 14 paid holidays, full medical and dental, company matching retirement fund to 50% of salary, and a company car leased every two years, say, a red Corvette?”

BLONDE AND REDHEAD A blonde and a redhead have a ranch. They have just lost their bull.

The women need to buy another, but only have $500.

The redhead tells the blonde, “I will go to the market and see if I can find one for under that amount. If I can, I will send you a telegram.”

seems to have escaped.” Turning on his side, he smiles and says, “Then we will have to re-imprison him.”

She goes to the market and finds one for $499. Having only one dollar left, she goes to the telegraph office and finds out that it costs one dollar per word. She is stumped on how to tell the blonde to bring the truck and trailer

After the second time, the bride says, “Honey, the prisoner is out again!” The husband rises to the occasion and they made love again.

The bride again says, “Honey, the prisoner escaped again,” to which the husband yelled, “Hey, it’s not a life sentence!!!”

Finally, she tells the telegraph operator to send the word “comfortable.” Skeptical, the operator asks, “How will she know to come with the trailer from just that word?” The redhead replies, “She’s a blonde so she reads slow: ‘Come for ta bull.’”

A BRIDE A bride tells her husband, “Honey, you know I’m a virgin and I don’t know anything about sex. Can you explain it to me first?” “Okay, sweetheart. Putting it simply, we will call your private place ‘the prison’ and call my private thing ‘the prisoner’. So what we do is put the prisoner in the prison.”

And they made love for the first time and the husband was smiling with satisfaction. Nudging him, his bride giggles, “Honey the prisoner

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May 1, 2020

A CHILD ASKED HIS FATHER A child asked his father, “How were people born?” So his father said, “Adam and Eve made babies, then their babies became adults and made babies, and so on.”

The child then went to his mother, asked her the same question and she told him, “We were monkeys then we evolved to become like we are now.”

The child ran back to his father and said, “You lied to me!” His father replied, “No, your mom was talking about her side of the family.”

THREESOME

My girlfriend asked me if I could have a threesome, which of her friends I would choose.

Apparently, I was only supposed to name one, not two.

The engineer sits up straight and says, “Wow! Are you kidding?” The interviewer replies, “Yeah, but you started it.”

MACHO MAN

CLASSIFIEDS HELP WANTED

His new bride said, “No, that’s fine with me. Just understand that there will be sex here at seven o’clock every night, whether you’re here or not.”

FEELING YOUNG A fortyish woman was naked and jumping up and down on her bed, laughing and singing.

Her husband walks into the bedroom and sees her. He watches her for a while and says “You look ridiculous! What on earth are you doing?”

“I just had my checkup and the doctor says I have the breasts of an 18 year old.”

She starts laughing and jumping again.

JOB INTERVIEW Reaching the end of a job interview, the Human Resources Officer asks a young engineer fresh out of the Massachusetts Institute of Technology, “And what starting salary are you looking for?”

Just for

Laughs

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rypress.com

Volume 42

• Number 18

• Sept. 15,

2018

MIRAMAR AIR SHOW!

SALUTING 100 YEARS OF WOMEN IN THE

REMEMBER WHEN

1937

PACKING A

DELIVERED TO YOUR MAILBOX!

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DISTRIBUTION Distributed on the 1st and 15th of each month. Available aboard all San Diego County military bases, onboard in-port ships, at participating Albertsons, Ralphs, CVS Pharmacies and 7-11s.

For more locations, visit www.militarypress.com/distribution.

The Military Press is published semi-monthly on the 1st and the 15th by Military Press Publishing LLC, a commercial, freeenterprise newspaper. It does not necessarily reflect the opinion of the Department of the Navy and is no way associated with the Department of the Navy. The editorial objective of the Military Press is to promote support for a strong military presence. The opinions and views of the writers whose materials appear herein are those

CORPS

PUNCH

LOOKING BACK AT BOXING GREATS

(3 min Msg) 800-659-1838 (Code 2) provideincome.com

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of the writers and not the publisher. Appearance of advertising does not constitute endorsement by the Military Press. Consumers should make informed decisions when purchasing products and services, and when considering business opportunities, and research before investing. Subscription by mail is $50 per year to CONUS or FPO addresses.

PUZZLES ACROSS

1. Approves 6. Sensed 10. Anagram of “Ties” 14. Hotel employee 15. Wings 16. Stepped 17. Wash out with a solvent 18. Train track 19. Learning method 20. A payment of money 22. Basic unit of money in China 23. Unhappy 24. Truths 26. Associate 30. Nothing-but-net sound 32. Heavenly hunter 33. Calmness without winds 37. Breathe hard 38. Earthquake 39. Small island 40. Not here 42. Building addition 43. Periods of seven days 44. Fast 45. Wear away 47. Hit on the head 48. Aspersion 49. A verbatim performance 56. Role 57. French for “State” 58. Audio communications 59. A D-Day beach 60. Certain 61. Make improvements 62. Depend 63. Chickadees 64. Discharges

SUDOKU

The rules to play Sudoku are quite simple. Fill in the blanks so that each row, each column, and each of the nine 3x3 grids contain one instance of each of the number 1 through 9.

DOWN

1. Not under 2. Cabbagelike vegetable 3. Astringent 4. Abominable Snowman 5. Type of hat 6. Unit of capacitance 7. Distinctive flair 8. Nonclerical 9. Television movie 10. An alkaloid plant toxin 11. Anagram of “Tutor” 12. Smidgens

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13. Biblical garden 21. Bar bill 25. American Sign Language 26. Expect and wish 27. By mouth 28. Containers 29. Remarkable 30. Mixes 31. Sage 33. Search 34. Feudal worker 35. Sleigh 36. Alluring 38. Most diaphanous

41. Married 42. Garb 44. Drunkard 45. Gladden 46. Not urban 47. Nibbles 48. Prod 50. Decorative case 51. A heavy open wagon 52. Docile 53. Bright thought 54. Pig sound 55. Gestures of assent

This week’s solutions:

May 1, 2020 11

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*Promotion subject to change. See individual builders for details. Plans, pricing and product information are subject to change without notice. Copyright ©2020 Brookfield Residential. All rights reserved. DRE License# 01896289.

12 May 15, 1, 2020 February 2020

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