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A home inspection is always required by the bank. Everyone involved should know that it's a VA loan, so they'll check off the appropriate items as they go. If your realtor hasn't scheduled one (maybe working through the seller's) then she will. It's a standard part of the process...no bank is going to throw down many tens or hundreds of thousands of dollars on real estate that could be completely worthless, like a former meth lab or horrendously water damaged, or a ticking time bomb of Groverhaus work.
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Oct 15, 2014 07:36
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Also if you tell your Realtor that you have a VA Home Loan and their eyes don't light up then you may want to find a new Realtor. From what I've seen they loving love them, as they find the VA easier to work with than a bunch of banks (scary, I know)
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Oct 15, 2014 07:38
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Um. Yeah. The VA doesn't actually loan poo poo. You have to get a loan through a bank, just like normal. The difference is that instead of throwing down $10-30,000 on a down payment, the VA says "Yeah, we'll pick that up if he flakes." Basically it makes you less of a risk to the bank, saves you mad cash out of pocket, and their guarantee is probably worth more than you could possibly have saved up for a normal down payment. You still need a normal bank, though.
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Oct 15, 2014 07:41
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Godholio posted:Um. Yeah. The VA doesn't actually loan poo poo. You have to get a loan through a bank, just like normal. The difference is that instead of throwing down $10-30,000 on a down payment, the VA says "Yeah, we'll pick that up if he flakes." Basically it makes you less of a risk to the bank, saves you mad cash out of pocket, and their guarantee is probably worth more than you could possibly have saved up for a normal down payment. Obviously, it's just supposedly a lot easier for them to work with, and you're a lot more likely to buy a house with one than just farting around looking at houses. My wife used to be a realtor and said that the VA answered inquiries and poo poo pretty quickly, and it wasn't often that they were left waiting on the VA- it was almost always the lawyers or the bank.
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Oct 15, 2014 07:50
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I finally gave in and made an appointment with the VA to get a primary care doc and see if I qualify for ptsd disability. I've been reluctant to apply because I don't feel I deserve it but on the other hand being a broke, un-dateable, degenerate alcoholic with rage issues is starting to get boring. Any advice?
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Oct 16, 2014 08:13
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Be honest. Tell them exactly what's going on, gritty details and all. If you're ashamed to tell them something, it's a pretty good bet that it's something you need to tell them. For my visit with the psych, I brought my wife, which makes things way easier if you have a mush brain like me. So if you live with someone else, or you've got someone like a family member that you hang out with a lot, bring them along. They'll give information that you probably wouldn't think of, and the psych will ask more pointed questions because of it. Or if your pride gets in the way of admitting something, there's nothing like a family member to narc you out. If you don't have someone that can come along, or if you are still unsure of what is important and what's not, look up http://www.ecfr.gov/cgi-bin/text-idx?SID=3dddce84474966674a408fb61db5af5e&node=38:1.0.1.1.5&rgn=div5#se38.1.4_1129 I think PTSD is rated under neurological disorders. Yeah, it's the VA rating system, which will help you if you are looking for disability compensation (which you should), but if you've got some problems listed in that table it means that you should mention it to your psych so you can get treated properly.
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Oct 16, 2014 16:20
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I'm really more interested in getting treatment than I am in getting compensation. Don't get me wrong, it would certainly help, but I'd rather be able to move on with my life than collect free money. Thanks for the link and your input.
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Oct 17, 2014 00:11
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Recently down/upgraded to 100% VA disabled, is there anything about this that changes anything other than more sweet government cheese, assuming I don't have need for special housing modifications? Already have GI Bill and am going to school, not employed (lol).
Alas Boobylon fucked around with this message at 04:23 on Oct 17, 2014 |
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Oct 17, 2014 04:21
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Alas Boobylon posted:Recently down/upgraded to 100% VA disabled, is there anything about this that changes anything other than more sweet government cheese, assuming I don't have need for special housing modifications? Already have GI Bill and am going to school, not employed (lol). Depending on what state your in there are sometimes incentives, such as reduced or no property taxes, for being 100% disabled. Note, that the VA and some states distinguish between 100% disabled and 100% permanent and totally disabled. If your 100% P/T then you're pretty much set. Edit: They have some state benefits listed on ebenefits, but it isn't a complete list so you should still try to search for resources specific to your state. https://www.ebenefits.va.gov/ebenefits-portal/ebenefits.portal?_nfpb=true&_nfxr=false&_pageLabel=BenefitsByState Delizin fucked around with this message at 05:20 on Oct 17, 2014 |
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Oct 17, 2014 05:15
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Delizin posted:Depending on what state your in there are sometimes incentives, such as reduced or no property taxes, for being 100% disabled. Note, that the VA and some states distinguish between 100% disabled and 100% permanent and totally disabled. If your 100% P/T then you're pretty much set. oh sweet reduced property taxes my life is one long psychedelic gravy train punctuated by terrifying outbursts of violence 
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Oct 17, 2014 05:37
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Alas Boobylon posted:oh sweet reduced property taxes my life is one long psychedelic gravy train punctuated by terrifying outbursts of violence In my city you can park wherever the gently caress you want and are immune to being towed for street sweeping/plowing if you're 100%. Honestly that'd reduce my violent outbursts by quite a bit.
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Oct 21, 2014 13:57
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Alas Boobylon posted:oh sweet reduced property taxes my life is one long psychedelic gravy train punctuated by terrifying outbursts of violence Is your username a Pat Frank reference, and are you trolling my life?
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Oct 21, 2014 18:08
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If I may qualify for TAMP (TA180 - the 6 months of tri-care after EAS) should I still go ahead and get my enrollment process started with the VA? Can I do that on terminal or do I have to wait until my official EAS? There's a DAV (Disabled American Veterans) office in San Diego I was told about that apparently not many know about. I guess they assign a lawyer to your case/claims free of charge. Nostalgia4Dogges fucked around with this message at 21:57 on Oct 21, 2014 |
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Oct 21, 2014 21:55
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Christoff posted:If I may qualify for TAMP (TA180 - the 6 months of tri-care after EAS) should I still go ahead and get my enrollment process started with the VA? Can I do that on terminal or do I have to wait until my official EAS? Definitely apply for VA too. It doesn't hurt to have coverage at both. You will need your DD214 to enroll iirc. DAV is pretty good. I've never seen them have actual lawyers, instead it a veteran service officer that tends be a vet as well and they know their stuff pretty well.
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Oct 21, 2014 21:59
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Oh ok I just wasn't sure if having tri-care would prevent me from VA benefits like it does now while I'm technically active duty. This is the information I got about applying quote:VA Enrollment: https://www.1010ez.med.va.gov/ - complete and present to the nearest VA Medical Center or Outpatient Clinic, along with a copy of your DD214, a photo ID, your medical and mental health records (if you have them) and an estimate of how much you earned over the last year. Also need to get that 5 year HFP/IDP coverage rolling
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Oct 21, 2014 22:02
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I'm not sure if this is the right thread so I'll move it if I'm wrong but I have an immunization question. I need to get shots for school but I'm not sure what ones I already got in the Army. My shot records were lost in a car wreck and I guess I need to petition to get them again somehow? I need: MMR Hep B TDap Varicella Meningitis Would we have gotten any of these in the military or is it too case dependent to tell?
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Nov 3, 2014 18:55
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Time posted:I'm not sure if this is the right thread so I'll move it if I'm wrong but I have an immunization question. I need to get shots for school but I'm not sure what ones I already got in the Army. My shot records were lost in a car wreck and I guess I need to petition to get them again somehow? You should have gotten most of them, though you might be due for boosters if you've been out for awhile. The only one I don't remember getting was one for Meningitis and I'm not sure if tdap is standard, but it does need a booster. A primary care doc should be able to do a blood test to determine which vaccines you need. That will probably be way easier than trying to get a hold of your medical records.
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Nov 3, 2014 19:20
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Delizin posted:You should have gotten most of them, though you might be due for boosters if you've been out for awhile. The only one I don't remember getting was one for Meningitis and I'm not sure if tdap is standard, but it does need a booster. A primary care doc should be able to do a blood test to determine which vaccines you need. That will probably be way easier than trying to get a hold of your medical records. The blood tests take too long I need to register for spring classes soon. Thank you so much though for all the other info!
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Nov 3, 2014 19:28
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Time posted:The blood tests take too long I need to register for spring classes soon. Thank you so much though for all the other info! Alot of colleges allow you to file a form stating that you don't have records stating you have been immunized but that in the event of an outbreak on campus you will remain away from the university.
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Nov 3, 2014 20:02
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Time posted:I'm not sure if this is the right thread so I'll move it if I'm wrong but I have an immunization question. I need to get shots for school but I'm not sure what ones I already got in the Army. My shot records were lost in a car wreck and I guess I need to petition to get them again somehow? Do you have VA healthcare? You can just go get your shot record from them if so. As much of a pain as they have been to me, they've been pretty prompt in getting needed paperwork to me when I show up at the clinic. Worst case I've had was to wait two days for them to mail it to me.
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Nov 4, 2014 14:59
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Time posted:I'm not sure if this is the right thread so I'll move it if I'm wrong but I have an immunization question. I need to get shots for school but I'm not sure what ones I already got in the Army. My shot records were lost in a car wreck and I guess I need to petition to get them again somehow? I am not sure if this is the right answer in your specific case but Ebenefits has a scanned copy of your whole personnel file that you can access online and for free. My military shot records were on there I remember, as well as the rest of the sordid story..
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Nov 4, 2014 18:12
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You guys all rule! Thanks you I'll let you know how it turns out. I'm not sure who is a bigger pain in the rear end to deal with, the VA or my school.
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Nov 4, 2014 18:14
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Tautologicus posted:I am not sure if this is the right answer in your specific case but Ebenefits has a scanned copy of your whole personnel file that you can access online and for free. My military shot records were on there I remember, as well as the rest of the sordid story.. Just wish that site worked at least half the time. Yeah yeah "welcome to the VA" etc
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Nov 4, 2014 19:18
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Christoff posted:Just wish that site worked at least half the time. Yeah yeah "welcome to the VA" etc Usually works for me, they just do maintenance on the weekends. I think it's pretty well done overall.
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Nov 4, 2014 19:52
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Can the VA lower or take away your disability rating if on your letter you recieved from VA says "incurred static" regarding your disability?
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Nov 18, 2014 19:35
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dennis4167 posted:Can the VA lower or take away your disability rating if on your letter you recieved from VA says "incurred static" regarding your disability? I googled that term and it just means you incurred a static injury, like an injury that is permanent. You didn't think it meant "we caught attitude from the applicant" right?
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Nov 19, 2014 06:32
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Hah, no I did not think I projected any 'attitude' toward the Doctor during the hour long C&P evaluation. I am questioning because I applied for 100% TDIU (I currently have a 70% rating) and presume I will have to go to another C&P evaluation for that.
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Nov 19, 2014 06:53
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Your much more likely to qualify for 100% due to unemployability than not if your disabilities were noted to be permeant and not ever getting better. There are lots of people who are rated 100% but not 100% Permanent and Total because one of their laundry list items is PTSD. PTSD isn't considered to be permanent by the VA until it's been a problem for a long goddamn documentedly bad time.. So ironically getting PTSD recognized in dudes with serious physical or neurological disabilities also screwed because they gotta wait 3 to 20 years to be considered permanent and totally disabled, despite being rated 100% the whole time. That's easy five figure tax losses in the wrong neighborhoods where I live. Also tying up property tax code with veteran disability benefits and ratings then making a chesckers game out of the whole mess. Oh well, 6FYGM9 always gets rockstar parking.
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Nov 30, 2014 01:25
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dennis4167 posted:Can the VA lower or take away your disability rating if on your letter you recieved from VA says "incurred static" regarding your disability? Yes. VA is allowed to evaluate disabilities based upon the actual severity of the disability unless it's been evaluated that way for 20+ years. So let's say for example you managed to get a 40% evaluation for your back condition when you got out last year and they determined it was static, but you think your back hurts more and now you want more compensation. Your new examination shows only a 20 percent evaluation is warranted. Well, now VA is allowed to reduce your evaluation based on that information. The only thing a "static" decision does is say that VA is not going to call you back in in five years to see if your condition got better. It doesn't mean they can't touch it, just that they won't touch it until you ask them to.
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Dec 3, 2014 03:00
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The disability claim I filed in January has unexpectedly gone from "collecting evidence" to "preparation of notification," presumably because I got a VSO to work on it. Though I am concerned that the VA has made a decision regarding my shoulder without scheduling me for a C&P. I'm completely expecting them to grant me a 0% rating, forcing me into appeals hell. But I'm not going to yell too loudly for now, on the outside chance they gave me an actual rating.
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Dec 6, 2014 06:25
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Welp, I was wrong. I didn't get 0%. They told me that my shoulder injury is unrelated to my service. Moral of the story, kids: Get every single last thing documented. That stiff shoulder you think will go away? It might not and might get worse. Welcome to appeals hell, I guess.
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Dec 10, 2014 05:49
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McNally posted:Welp, I was wrong. I didn't get 0%. Out of interest, why did they deny you? The main reasons I see disabilities denied is either 1: they weren't seen for it in service, or 2: there's no evidence that it's related to service. If it's the first, VA recognizes that that you're not going to the BAS everytime you get an owie. If you mentioned it to anyone while you were in or saw a doctor off base, that would usually be enough to get over that hurdle. if it's the second and you were seen during service, but maybe you don't like going to the doctor, first write a quick statement about your injury and your current symptoms something like "I fell off my jungle gym and hurt my shoulder while I was in army. My shoulder still hurts, but I'm afraid of doctors." Or alternatively you can have your current doctor write a quick letter indicating that your current disability is related to an event in service, something like "Mr. McNally hurt his shoulder while bowling in 20XX. I believe his current acromioclavicular joint osteoarthritis is related to this injury." No denial is insurmountable if you have a legitimate claim, it's usually just a matter of doing some leg work to get the evidence together.
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Dec 19, 2014 04:51
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cult_hero posted:Out of interest, why did they deny you? It's the first one. I'm going to start asking buddies who were with me to write letters saying "yeah, I remember him bitching about his drat shoulder."
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Dec 19, 2014 19:23
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Hey, I just got a bunch of Veteran's Choice Act stuff in the mail, but I was never informed if I got VA healthcare benefits in the first place. I filled out and submitted the 10-10 EZ or whatever it's called last spring, but haven't heard back since then. How do I go about figuring out if I have VA healthcare? Sorry if this is an easy answer.
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Dec 22, 2014 23:02
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Did you ever receive HFP or IDF pay? A "combat zone." Even going to CENTCOM on a ship or say, Djibouti Africa counts. Well that gets you 5 years Otherwise it's not 100% clear. It seems if you're poor you get it. Plus any issues that you were being treated for or claimed while you were in. In the end it seems at least everyone has benefits for a bit when they get out. don't quote me on any of this
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Dec 22, 2014 23:42
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They pegged me at 70%, and they're paying me C&P in kind. They just never sent me a letter saying, "congrats, healthcare," after I sent in the paperwork, and I can't find a way to see if I have it on ebenefits.
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Dec 22, 2014 23:52
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Well poo poo if you're getting 70% isn't that pretty much guaranteed free health care? Yeah the eligibility is weird. I'd find your nearest VA center or clinic and go to the enrollment office and fill out the forms there along with your dd214. If there's no med center near you the clinics also have the paperwork and will courier it to the nearest medical center but it takes longer and you risk it getting lost. If you do this at the medical center you should be in the system automatically. They'll schedule you to get your labs drawn and see a Doc before you get assigned a PCM. During that process you'll talk to the enrollment people and they can probably give you an exact answer.
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Dec 22, 2014 23:57
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Christoff posted:Did you ever receive HFP or IDF pay? A "combat zone." Even going to CENTCOM on a ship or say, Djibouti Africa counts. Well that gets you 5 years There is some sort of weird Tier system they go by that I never even began to try to understand Unless it has changed in the last few years (probably(lol))
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Dec 23, 2014 00:05
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justice4trayvawn posted:There is some sort of weird Tier system they go by that I never even began to try to understand Over 30% means full healthcare with copays and prescription copays, something like 70% is full ride medical. Additionally if you are poor you get a higher priority rating. at 70% I would imagine you have completely free healthcare
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Dec 23, 2014 01:38
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Kawasaki Nun posted:Over 30% means full healthcare with copays and prescription copays, something like 70% is full ride medical. Additionally if you are poor you get a higher priority rating. at 70% I would imagine you have completely free healthcare 50% is free medical 
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Dec 23, 2014 08:40
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