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For 75 years, the VA loan program has helped U.S. service members and their families achieve the dream of homeownership. Today, in the wake of the subprime mortgage meltdown and ensuing foreclosure crisis, this no-down payment loan is more important than ever. VA loans have emerged as a lifeline for veterans and active duty personnel who understand their unmatched safety and buying power. The Book on VA Loans takes service members and their families on an insider's journey into VA loans, from credit scores and interest rates to the unique opportunities and challenges of this long-cherished program. Readers get insider tips and expert advice from the country's largest dedicated VA lender, Veterans United Home Loans. They also receive a buyer-friendly education in a sometimes complicated world that can trip up even seasoned real estate veterans.Featuring simple, straightforward language and voices of previous VA borrowers, this resource helps ensure service members are in the best position possible to maximize the benefits earned by their service.
An official, up-to-date government manual that covers everything from VA life insurance to survivor benefits. Veterans of the United States armed forces may be eligible for a broad range of benefits and services provided by the US Department of Veterans Affairs (VA). If you’re looking for information on these benefits and services, look no further than the newest edition of Federal Benefits for Veterans, Dependents, and Survivors. The VA operates the nation’s largest health-care system, with more than 1,700 care sites available across the country. These sites include hospitals, community clinics, readjustment counseling centers, and more. In this book, those who have honorably served in the active military, naval, or air service will learn about the services offered at these sites, basic eligibility for health care, and more. Helpful topics described in depth throughout these pages for veterans, their dependents, and their survivors include: Vocational rehabilitation and employment VA pensions Home loan guaranty Burial and memorial benefits Transition assistance Dependents and survivors health care and benefits Military medals and records And more
Problems stemming from the misuse and abuse of alcohol and other drugs are by no means a new phenomenon, although the face of the issues has changed in recent years. National trends indicate substantial increases in the abuse of prescription medications. These increases are particularly prominent within the military, a population that also continues to experience long-standing issues with alcohol abuse. The problem of substance abuse within the military has come under new scrutiny in the context of the two concurrent wars in which the United States has been engaged during the past decade-in Afghanistan (Operation Enduring Freedom) and Iraq (Operation Iraqi Freedom and Operation New Dawn). Increasing rates of alcohol and other drug misuse adversely affect military readiness, family readiness, and safety, thereby posing a significant public health problem for the Department of Defense (DoD). To better understand this problem, DoD requested that the Institute of Medicine (IOM) assess the adequacy of current protocols in place across DoD and the different branches of the military pertaining to the prevention, screening, diagnosis, and treatment of substance use disorders (SUDs). Substance Use Disorders in the U.S. Armed Forces reviews the IOM's task of assessing access to SUD care for service members, members of the National Guard and Reserves, and military dependents, as well as the education and credentialing of SUD care providers, and offers specific recommendations to DoD on where and how improvements in these areas could be made.