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Posts by Joel Farrell

Credit Improvement Case Study

It’s one thing to write about hypotheticals and give good explanations of how things should work, but it’s more fun when you make a Credit Improvement plan, have a client execute it perfectly, see it make a BIG difference, and then get to share the actual results!  Of course, we can’t give any identifying information…

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VA Funding Fee Hacks

What is a VA Funding Fee and how do I minimize its financial impact? The VA Funding Fee, as it relates to the VA Home Loan, is one of the only down-sides to getting a VA mortgage.  All over this site, you can see how awesome we think the VA Home Loan product is for military…

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COE: Certificate of Entitlement Examples

Uncommon Examples of How Certificate of Entitlement Can Be Used in Real Life COE: A Deeper Look at Your Entitlement At VAFinances, we look to add to the national conversation, not just regurgitate it.  So when it comes to writing about Entitlement, we took an “example-heavy” approach to illustrate how it works instead of just…

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Quarterly Market Update: Indicators of a January Sell-Off

The Major Finance Headline so far in 2016 thus far has been the Sell-Off of Equities, as the S&P has pulled back about 8.80%. What’s interesting is that the Bond Market Activity the last 45 days of 2015 illustrated a common pattern that indicated a weakening in the Equities market, almost an indicator of this…

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Market Update: December 12th, 2015

Good afternoon!! I wanted to follow up with a quick market update as we head into the Holiday Season. I have some Market Commentary and a Chart on the US 10 Yr Treasury. –My Market Commentary: Oil has hit recent lows, spreading fear in the market. As a result, Stocks are down and US Bonds have…

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UMUC Event on September 16, Largo MD

I have been invited to be a part of the Veteran’s Employment Preference Discussion hosted by UMUC Student Veteran Success Club. The event is held between 6-6:45pm on Wednesday, September 16 at the Academic Center at Largo, MD. Various panel members will present on different topics and will run about 30-45 minutes (program length depends on…

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Homebuying Series: Rent vs. Buy – ACTIVE DUTY

Active Duty? Buying A House? What 3 Questions Should You Ask??   The VA Home Loan is one of the benefits the Federal Government provides to Active Duty Military and Retired Veterans.  It provides multiple benefits that the regular borrower does not have access to. The single most important benefit that it provides is a…

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Homebuying Series: To Borrow or Not To Borrow #2

“Find out why this couple decided to pay off the mortgage”   In the first entry of this two part series “To Borrow, Or Not to Borrow?” we discussed some tools and ideas to help decide between a 15 yr fixed and a 30 yr fixed.  We will look at some of the pros and…

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Homebuying Series: To Borrow or Not To Borrow #1

Today, I have the first of two great comparisons for you that will help you make one big decision.   First we will compare a 15 yr fixed versus a 30 yr fixed. The second part–coming soon–will analyze using one’s investment funds to pay off the mortgage vs  keeping one’s funds invested and continuing to make…

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