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Archive for the ‘VA Interests’ Category

Veterans living in North Carolina should use a VA loan

Sunday, January 10th, 2010

Of all the states in the country, North Carolina has the 4th largest population of active and retired military personnel.  The latest data indicates there are an estimated 120,000 active duty personnel living in North Carolina. at the nine military bases.

Military bases in North Carolina:

  • Pope Air Force Base – Fayetteville
  • Seymour Johnson Air Force Base – Goldsboro
  • Fort Bragg – Fayetteville
  • Simmons Army Field – Fayetteville
  • USCG Air Station – Elizabeth City
  • Camp Lejeune Marine Base – Jacksonville
  • Cherry Point Air Station – Havelock
  • New RIver Air Station – Jacksonville
  • Cherry Point Naval Air Depot – North of Havelock

In addition to the active duty, there are over 25,000 soldiers, marines, and airmen that serve in the National Guard or Reserve Forces!  Records show that most of these military personnel have served in Operation Iraqi Freedom (OIF) or Operating Enduring Freedom (OEF).

When these service members are ready to buy a home, it is important that they understand all of the benefits they are entitled to through the VA home loan program.  LowVARates specializes in assisting veterans and active duty members in applying for and becoming approved for a VA loan.

Exploring Obama’s Mortgage Modification Program

Wednesday, December 16th, 2009

Remember the promise of loan modification?

In April of 2009 the Treasury Department officially launched their effort to help distressed families keep their home and avoid foreclosure. They recruited several loan servicers (JP Morgan Chase, Wells Fargo, Citigroup etc.) and offered $75,000,000,000 to the banks to pass along to homeowners in need.   Click here to read the article from Cnn.

In theory, the program was designed for distressed homeowners to contact lender’s modification counselors and build their case for loan modification. Banks were instructed to offer modification resources on loans where the cost of foreclosure would be higher than the cost of modification.

For families that qualify:

Interest rates can be lowered by the banks to bring the borrower’s monthly mortgage payment to no more than 38% of their pre-tax income.

• Loan amounts can be reduced by banks to bring the monthly mortgage payment down to the 38% of pre-tax income

• Additionally, the federal government would offer resources to lower the borrower’s interest rate to bring the payment down to 31% of pre-tax income

• $1000 per year is given to families that keep current with their modification program

In theory this program is a fantastic solution for families in trouble.

In practice, the program doesn’t seem to be working. Where I work the phone rings all day long with veteran families looking to take advantage of lowering their interest rate. Every day that passes the number of families that have fallen behind or will fall behind on their mortgage payment increases. Nearly 90% of the families we speak to are struggling to make their payment. We ask these families if they have spoke to their current lender in regards to a loan modification.

Most of the families I have spoken with have had the modification conversation with their lender but few have succeeded, if any. They hear banker’s excuses such as, “We can only talk to you if you are more than 60 days late on your mortgage payment (a lot of good that does-isn’t this program supposed to keep people from being late on their payment).” Or, “Send in your paperwork to a phoneless team who will review your file within six months and we will decide if you qualify.” Or, the lenders make the process to apply so complex and drawn out that families give up in desperation while drowning in a sea of red tape. Or noone answers the loan modification phone at all. http://www.cnn.com/2009/LIVING/04/15/foreclosure.phones/

Shouldn’t the first question that is answered be, “Will the cost of the foreclosure outweigh the cost of the modification?” Can’t it be that simple? Can’t there be a two week process, with a clear application and definition of items needed to be included with the application? Why are banks making it so difficult? This is the question noone can seem to answer or influence.

At the end of the day families that really need modifications are not getting the help they need while Wall Street Bankers are padding their profits with government subsidies.

VA Loan and the Specially Adapted Housing Program

Monday, December 14th, 2009

Aside from the well-known VA home loan program available to veterans, the VA also offers other home-related benefits to service men and women. One of these is the Specialty Adapted Housing Program, which was designed to provide grants to qualified service members with specific service-connected disabilities, for the purpose of constructing an adapted home or modifying an existing home to meet their adaptive needs. According to the VA, “the goal of the Specially Adapted Housing (SAH) Grant Program is to provide a barrier-free living environment that affords the veterans or service members a level of independent living he or she may not normally enjoy.”

Below are the two types of adaptive housing grants available to assist severely disabled veterans or service members, and some general information about them. The terms of eligibility and grant use differ slightly for each grant. For detailed information check out these links to publications by the VA or contact your local VA Regional Loan Center:

http://www.homeloans.va.gov/docs/part1_va_pamphlet_26_jrd_edits_doc_rev_11052009.pdf

http://www.homeloans.va.gov/docs/part2_va_pamphlet_26_jrd_edits_doc_rev_11052009.pdf

Specially Adapted Housing Grant -

Which veterans or service members are basically eligible for the grant?

The Specially Adapted Housing Grant is available to veterans or service members who are entitled to compensation for permanent and total service-connected disability due to:

· The loss, or loss of use, of both lower extremities such as to preclude locomotion without the aid of braces, crutches, canes, or a wheelchair.

· Blindness in both eyes having only light perception, plus loss or loss of use of one lower extremity.

· The loss, or loss of use, of one lower extremity together with: (1) residuals of organic disease or injury, or (2) the loss or loss of use of one upper extremity.

· The loss, or loss of use, of both upper extremities, so as to preclude use of the arms at or above the elbows.

· The permanent and total disability is due to a severe burn injury (as so determined).

How much specially adapted housing assistance can a veteran or service member receive?

· An eligible veteran or service member may receive a VA grant of not more than 50 percent of the cost of a specially adapted house, up to the aggregate maximum amount allowable by law. The current maximum grant amount allowable at the time of this publication is $63,780. This amount will be adjusted annually based on a cost-of-construction index. The first adjustment occurred October 1, 2009, and future adjustments will take place each October 1 thereafter. Any future adjustments will increase the grant amounts or leave them unchanged.

How may the grant be used?

An eligible veteran or service member has the option to use up to the full amount of the grant under any one of the following plans:

· Plan (1): The veteran or service member may elect to construct a home on land to be acquired for that purpose.

· Plan (2): The veteran or service member may build a home on land already owned if it is suitable for specially adapted housing.

· Plan (3): The veteran or service member may remodel an existing home if it can be made suitable for specially adapted housing.

· Plan (4): When the veteran or service member has already acquired a specially adapted home (without the assistance of a VA grant), the grant may be applied against the unpaid principal mortgage balance of the home.

Special Housing Adaptation Grant -

Which veterans or service members are basically eligible for the Special Housing Adaptations Grant?

Veterans or service members who are entitled to compensation for permanent and total service-connected disability due to:

· Blindness in both eyes with 5/200 visual acuity or less, or

· The anatomical loss or loss of use of both hands.

· The permanent and total disability is due to a severe burn injury (as so determined).

How much special housing adaptation assistance can a veteran or service member receive?

An eligible veteran or service member may receive a VA grant for the actual cost to adapt a house or for the appraised market value of necessary adapted features already in a house when it was purchased, up to the maximum grant amount allowable by law. The current maximum grant amount allowable at the time of this publication is $12,756. This amount will be adjusted annually based on a cost-of-construction index. The first adjustment occurred October 1, 2009, and future adjustments will take place each October 1 thereafter. Any future adjustments will increase the grant amounts or leave them unchanged.

How may the grant be used?

An eligible veteran or service member has the option to use up to the full amount of the grant under any one of the following plans:

· Plan (1). The veteran or service member may elect to construct a home on land to be acquired for that purpose.

· Plan (2). The veteran or service member may build a home on land already owned if it is suitable for specially adapted housing.

· Plan (3). The veteran or service member may remodel an existing home if it can be made suitable for specially adapted housing.

· Plan (4). When the veteran or service member has already acquired a specially adapted home (without the assistance of a VA grant), the grant may be applied against the unpaid principal mortgage balance of the home.

*Note that if a veteran or service member qualifies for both benefits, the law limits him/her to the use of the larger grant.

If you feel you may be eligible for one of these grants, contact the Specially Adapted Housing Agent at your local VA Regional Loan Center for more information.

If you are in need of help with your home loan, need a VA streamline, or a VA loan in any state including a Texas VA Loan we can help.

Veteran Home Loan Mission Statement on VA Loans

Sunday, November 15th, 2009

 

I’d like to preface this post with a disclaimer.  I am not Milton Friedman.  I do not hold advanced degrees in any academic discipline that might lend my suggestions here intellectual credibility.  To say that my writings lack the philosophical rigor and insight into the nuances of governance demonstrated by those of Thomas Jefferson would be a gross understatement.

I am just a guy who has worked for years with Veterans helping them to finance VA home loan purchases, refinances and debt consolidations.  I’ve assisted high-ranking VA homeowners working at The Pentagon as well as members of the Navy JAG core.  I’ve worked with 20 year old veterans returning from the Middle East – some of them deeply scarred and rendered disabled by the horrors of war- yet proud, and in possession of a nobility and stoicism that I will never fully grasp.

I’ve watched the VA lending environment expand and contract, watched VA guidelines tighten and loosen, watched veterans experience the singular joy of first-time home ownership and bore witness to the sobering reality of veterans facing foreclosure.  Mine is an opinion forged in practical experience on the front lines of the VA loan guarantee program; working with veterans, hearing their frustrations, and (at times) lacking sufficient means to address them.  What follows are three components of a Veteran Homeowners Mission Statement– philosophical rules to guide industry policy and practices that I believe will ultimately benefit all veteran homeowners. I invite all veterans, of both the military and mortgage industry alike, to sound off on what I write here so that we might evolve our collective understanding of the issues and form more practical and efficient solutions to address them.

#1 Less Is More

Throughout the loan process, veteran homeowners are flooded with loan disclosures. These disclosures were all created with a noble goal in mind- to ensure homeowners emerge from the home loan process better informed of their rights and made more aware of the details of the transaction. But with respect to the average homeowner there is an argument to be made that the collected loan disclosure documents often result in the opposite effect. Over time these disclosures have been amended and supplemented by others, at the Federal and State levels. Whether they will admit it or not, there are many borrowers who find themselves confused and intimidated by the number of documents which require their signature, to say nothing of the verbiage within them. I firmly believe that regardless of the imperfections of the process, it is the responsibility of the loan originator to not only properly disclose to homeowners, but to ensure that homeowners understand the documents they are presented with. An originators job is to guide borrowers through the loan process, represent their interests, and to ultimately provide them with sufficient knowledge by which to make a decision. But I believe there is a better way to deliver this knowledge. For example, any person who has ever entered a polling booth on election day knows that when they open the election guide they will find a list of the measures and candidates on the ballot accompanied by common sense breakdowns of each. Measures are summarized and supplemented by endorsements or criticisms offered by relevant parties on either side of the issue. Candidates up for election are described by their experience and political positions and are similarly endorsed or criticized by editorial commentary. Furthermore, there are links and references listed so that voters can learn more about the issues beyond the content contained in the booklets. This method allows voters to make reasoned judgments by translating their options and framing the impact of their choices. I would like to see the closing disclosure package for home loans treated in a similar fashion. By consolidating the number of disclosures and translating the relevant information into common language, homeowners will be able to better grasp the knowledge. I imagine a 1-3 document where rights associated with each disclosure are summarized in bullet points and organized by the relevant subject. They might include: Veteran Disclosures, State Federal Rights for all Homeowners, Transaction Specific Disclosures, etc. This document would require a signature by the homeowner acknowledging receipt of an accompanying pamphlet which would contain the full text of all the disclosures, greater analysis with examples, a glossary of related terms, and a procedural breakdown of the loan process.

#2 Give It To Them Straight

Numbers can be misleading. The Truth in Lending Disclosure mandated under the Truth in Lending Disclosure Act provides borrowers with amortization schedules, details the amount of interest that will be paid out over the life of the loan, loan specific terms and restrictions, and of course the APR, or Annual Percentage Rate. The APR calculation is provided to help borrowers determine how loan financing costs factor into their “effective” rate. The APR does not factor in title charges, appraisal costs, tax/insurance reserves or other “third party” charges, which could be underestimated to make a particular loan seem more attractive than another. But the issue with the APR,(especially on refinance transactions) is that it only functions as a means by which the borrower can compare offers between loan companies. The APR does not effectively help the borrower decide if they should refinance in the first place. An additional and more meaningful metric would be a “breakeven” analysis. The calculation would include the total settlement charges, adjusted for escrow refunds and interest added to their loan payoff, divided by the Principle & Interest savings on the loan. This number would then be adjusted to reflect the number of months it would take to both cover the cost of the closing charges and any principle reduction the borrower would have seen without refinancing over that time. The “breakeven” or “recoup” number would better frame the short AND long term benefit of the loan. Borrowers could measure this number against the number of months they intend to keep the mortgage. Too often borrowers will chase rates blindly, simply because they are lower than what they have, despite the fact that the recoup time eats into the advantage of the loan.

#3 Get Behind The Numbers

While a borrowers recoup time might at first appear disadvantageous, a borrower might choose to refinance in an attempt to redirecting mortgage payment savings to pay off higher interest rate debts. I believe that most borrowers intentions with regard to mortgage transactions are implied but not clarified. A “cash out” transaction, or “debt consolidation loan” might appear specific enough on paper, but requiring the borrower to clarify their intentions with worksheet/questionnaire helps the underwriter get a better sense of the net benefit of the loan and the credit worthiness of a borrower. The questionnaire/worksheet would clarify why the borrower decided on a particular rate/fee/loan program combination over alternatives, how long they intend to stay in the property and how the borrower plans to handle the resulting loan savings. This information may strike some as irrelevant and invasive. But this idea helps an underwriter keep both the borrower and the loan officer accountable. By completing the questionnaire/worksheet the borrower is framing the reason why they are applying for credit. It is widely accepted that recording ones goals or intentions often results in a higher probability that they will see them through. This helps involve the borrower into the loan process, and establishes a kind of ethical accountability that goes deeper than simply signing ones name. It gives both the borrower and the underwriter a chance to evaluate how well the loan originator guided the borrower to an appropriate loan. Lenders would enjoy the disclosure simply because it would be a specific declaration of intention and purpose by the borrower, one that could later be referenced should an allegation arise that the borrowers were misled.

This is all I have come with for now. I hope you see the value in these philosophical guideposts. If you as a reader finds these ideas lacking or ill conceived, I want to hear your feedback. My goal is to evolve these ideas with your help. What else have you found frustrating/helpful in your experiences as an originator, underwriter, or veteran homeowner?

Are we Ready for another Military Draft?

Tuesday, September 22nd, 2009

I have often wondered what it would take for the US Military to activate the Draft again.  When I was a kid this was talked about quite often and it always made me wonder what paths I would have take had I been drafted.  The last time the Draft was instituted was from 1948 to 1973.  For more than 50 years, Selective Service and the registration requirement for America’s youth have served as a backup system to provide manpower to the US Armed Forces.  President Franklin Roosevelt signed the Selective Training and Service Act of 1940 which created the country’s  first peacetime draft and formally established the Selective Service Service System as an independent Federal Agency.  From 1948 until 1973, during both peacetime and periods of conflict, men were drafted to fill vacancies in the armed forces which could not be filled through voluntary means.  In 1973, the draft ended and the US converted to an All-Volunteer military.

So what would it take for the Draft to be re-instituted?

I can think of only 2 reasons.

1.  A conflict that becomes so severe that it requires more military than what’s enlisted.

2.  Regardless of conflict – less and less people are volunteering for the military.

Its basically a simple calculation of supply and demand.  Could we ever get to that point like we did back in 1948?  I believe we can.  For example:  The Selective Service System (SSS) and the U.S. Department of Education now are gearing up to compare their computer records, to make sure all men between the ages of 18 and 25 who are required to register for a military draft have done so.  The SSS and the education department will begin comparing their lists on Jan. 1, 2005, according to a memo authored by Jack Martin, acting Selective Service director.  While similar record checks have been done periodically for the past 10 years, Martin’s memo is dated Oct. 28, just a few days before the Nov. 2 presidential election, a hard-fought campaign in which the question of whether the nation might need to reinstate a military draft was raised in debates and on the stump. It took several more days, until Nov. 4, for the document to reach the Federal Register, the official daily publication for rules and notices of federal agencies and organizations. The memo was also produced after the U.S. House voted 402-2 on Oct. 5, against House Resolution 163, a bill that would have required all young people, including women, to serve two years of military service.  Under federal law, a military draft cannot be started without congressional support.  About 94 percent of all men are properly registered for a draft, according to Richard Flahavan, associate director of the office of public and intergovernmental affairs for SSS.

Here are some requirements for registration:

All male US citizens and male aliens living in the US between the ages of 18 and 25
Dual nationals of the US and another country, regardless of where they live
Young men who are in prison or mental institutions do not have to register while they are committed, but must do so if they are released and not reached age 26
Disabled men who live at home and can move about independently.

What happens in a Draft?:

Congress would likely approve a military draft in a time of crisis, in which the mission requires more troops than are in the volunteer military.
Selective Service procedures would treat married men or those with children the same as single men.
The first men to be called up will be those whose 20th birthday falls during that year, followed by those age 21, 22, 23,24 and 25.
The last men to be called are 18 and 19 years of age.

Here are some historical facts from the last Draft:

The last man to be drafted was in June 1973.
Number of Drafted for WWI : 2.8 million
Number of Drafted for WWII: 10 million
Number of Drafted for the Korean War: 1.5 million
Number of Drafted for the Vietnam War: 1.8 million
Source: Selective Service System

So could the state of things in our country cause another Draft?  I stand by my resolve and answer – YES.  GET READY.

LowVARates.com is looking for military bloggers

Monday, August 17th, 2009

LowVARates.com is a website dedicated to educating prospective and current VA home owners about the ins and outs of VA home loan financing.  In addition to keeping our readers up to date on all of the latest information about VA loans, we also try our best to share our thoughts on all things military.  We are currently searching for active and retired military bloggers to write on our blog.  In addition to military personnel we would also like to get thoughts and insight from spoused and family members of military.  If you are interested in blogging for us please email eric at lowvarates dot com.   We have an array of options for compensation.  We anticipate paying per blog post however.  Thanks and happy blogging.

A REAL American Hero

Thursday, July 23rd, 2009

ht_shifty_powers_0906116_mn I got an email from my dad today. Working with VA loans and Veterans everyday this one brought tears to my eyes. There is a viral email going around the internet requesting a memorial service for a veteran and one of the “Band of Brothers”. I have not received the email but with a little Google research I found the full text:

Fwd: Band of Brothers Hero
One of the “Band of Brothers” soldiers died on June 17, 2009.
We’re hearing a lot today about big splashy memorial services.
I want a nationwide memorial service for Darrell “Shifty” Powers.
Shifty volunteered for the airborne in WWII and served with Easy Company of the 506th Parachute Infantry Regiment, part of the 101st Airborne Infantry. If you’ve seen Band of Brothers on HBO or the History Channel, you know Shifty. His character appears in all 10 episodes, and Shifty himself is interviewed in several of them.
I met Shifty in the Philadelphia airport several years ago. I didn’t know who he was at the time. I just saw an elderly gentleman having trouble reading his ticket. I offered to help, assured him that he was at the right gate, and noticed the “Screaming Eagle”, the symbol of the 101st Airborne, on his hat.
Making conversation, I asked him if he’d been in the 101st Airborne or if his son was serving. He said quietly that he had been in the 101st. I thanked him for his service, then asked him when he served, and how many jumps he made.
Quietly and humbly, he said “Well, I guess I signed up in 1941 or so, and was in until sometime in 1945 . . . ” at which point my heart skipped.
At that point, again, very humbly, he said “I made the 5 training jumps at Toccoa, and then jumped into Normandy . . . . do you know where Normandy is?” At this point my heart stopped.
I told him yes, I know exactly where Normandy was, and I know what D-Day was. At that point he said “I also made a second jump into Holland, into Arnhem.” I was standing with a genuine war hero . . . . and then I realized that it was June, just after the anniversary of D-Day.
I asked Shifty if he was on his way back from France, and he said “Yes. And it’s real sad because these days so few of the guys are left, and those that are, lots of them can’t make the trip.” My heart was in my throat and I didn’t know what to say.
I helped Shifty get onto the plane and then realized he was back in Coach, while I was in First Class. I sent the flight attendant back to get him and said that I wanted to switch seats. When Shifty came forward, I got up out of the seat and told him I wanted him to have it, that I’d take his in coach.
He said “No, son, you enjoy that seat. Just knowing that there are still some who remember what we did and still care is enough to make an old man very happy.” His eyes were filling up as he said it. And mine are brimming up now as I write this.
Shifty died on June 17 after fighting cancer.
There was no parade.
No big event in Staples Center.
No wall to wall back to back 24×7 news coverage.
No weeping fans on television.
And that’s not right.
Let’s give Shifty his own Memorial Service, online, in our own quiet way. Please forward this email to everyone you know. Especially to the veterans.
Rest in peace, Shifty.
“A nation without heroes is nothing.”
Roberto Clemente

The best part of the story is that its all true. This article on ABC goes on to tell us that the story is not just and urban legend. I’m not sure that it could be put better than how my dad ended his email.

“Every single citizen living in a democracy in 2009 owes a huge debt to the men and women of my parent’s generation who sacrificed so much and then came home to quiet anonymity. Remember as you see the very elderly shuffling about that they were once young too and have given the best of themselves for the good of everyone.”

Thanks Shifty! and every other TRUE American hero.

VA loan officer explains his personal feelings about working with veteran home owners

Friday, July 17th, 2009

 I have done mortgage loans for nearly 7 years now.  Every different type, kind and term.  I feel most gratified though when I have the opportunity to work with and complete VA loans for veterans. 

There is something special about those who have served our country.  They have put their life on the line for me and I feel a sense of gratitude for that.  For example, last year in 2008 I helped refinance a commander in the Army.  He has been in the army for 22 years.  Rates dropped so far this year 2009 that we refinanced his VA loan again with a VA streamline.  Since doing his loan this time we have stayed in touch and have done some catching up.  It was great to talk again about his goals, and I recently sent him an email with some pictures of our new baby.  He responded right back to the email with an update on his family too. 

Helping veterans take advantage of the VA’s loan programs is a small benefit offered to those who have served in our armed forces.  I get excited about helping veterans finally use this program, something not available to regular civilians.  I feel proud to have helped with part of their fulfillment of dreams to own a home when I can help with their loan.  Home ownership has for decades been the hallmark of the American Dream.

I also really enjoy getting to know each veteran borrower and where they have came from, how their service in the military has changed their life, where they have traveled and served and what goals they are currently pursuing to get them the best loan to meet their needs.  Finally, I feel connected personally to my veteran borrowers because of the freedom they and those that have gone before them have offered me.  When I go camping with my family, set off fireworks on the 4th of July or even go down to the grocery store and just buy food to make dinner I often contemplate the freedom I have to come and go and do the things I please here in America.  Those freedoms have been purchased on the backs of our nations military.  And so I feel a great connection and a great respect for those I am able to serve in a small way by providing home loan services that meet their needs and expectations.

Veterans Dealing with Post Traumatic Stress Disorder

Thursday, July 16th, 2009

I have often wondered why this is an issue for both men and women in the military.  I have never served in the military so I don’t know what it would be like to always be on my guard and paranoid of attack and learning to suppress my feelings and taking orders all the time.  I can imaging for Veterans that it must be difficult to adapt to civilian life after years of service.  In my line of work I get the privilege of working with Veterans everyday and sometimes it comes up in conversation.  So what is going on to help deal with this situation?

Let me refer to an article that was published in Utah to help Veterans specifically to help deal with PTSD. 

Dozens of Veterans are up in Park City for a week-long retreat, and they all have a few things in common.  They all suffer from post-traumatic stress disorder.  Veterans back from war are invited to an outdoor retreat to meet others who are also dealing with the memories of war and dealing with PTSD.  It can be intense for the Veterans, but its also a lot of fun!  They are learning how to breath again and relax.  Veteran Erika Vandenberg said, “In Iraq and Afghanistan you were on alert all the time.  You didn’t know who was your friend or enemy, so you were always on alert”.  These Veterans can’t sleep and they’ve shut people out.  “Anxiety around people, being in a crowd, I still have issues with that” Vandenberg said.

The Veterans participate in team-building exercises, learning how to trust and cope with civilian life again, now that they are out of the military.  “Being in the Marine Corp. for six years does a lot to you,” said Veteran Rodriquez.  “You have to hide a lot of emotions and feelings”.

This retreat is a big step for those Veterans who attended and I can imagine that they all want the lives they had before they left for war.

There are things like this going on all over the country and there are support groups that are here to help those who continue to defend our freedoms. 

WHAT IS PTSD?

  • You have reoccurring flashbacks and/or nightmares
  • You avoid anything that reminds you of the trauma you experienced
  • You have a heightened state of arousal or anxiety that makes it hard to fall asleep or stay asleep
  • You have trouble controlling your anger–this may or may not include aggression or violence, you just feel a lot of anger
  • You are hyper vigilant–meaning, you are almost always on the alert, looking around, watching other people, etc. as if you were expecting some kind of attack or crisis
  • This does not only affect the Veteran but it also affects their families too.  I know that there is help for this and I also recognize that some Veterans would not take advantage of that help because they might feel inadequate in admitting they suffer from the symptoms mentioned above, especially if they have learned to reject or “hide” their feelings due to the nature of how they have been trained.  The bottom line is this – you cannot let this go and it must be dealt with when its recognized.  A Vietnam Veteran named Randy Vest said it took him 30 years to finally get life back to normal.  This is probably an extreme case because of how the Veterans were treated after the Vietnam War.  The point is, the sooner a Veteran gets help the sooner life gets back to normal.  Look at it like this – Its just like combat, you don’t quit in the middle of it.  You just keep going until the mission is accomplished.

    I didn’t want this to be taken as a charity plead for Veterans, I am simply point out that there are things being done to help our countries Veterans who suffer from PTSD.  Many Veterans don’t have PTSD and as far as I know there is no clues as to determine why some do and some don’t.  For those Veterans that don’t then please offer your friendship and advice to those that do.  If you are a Veteran that does then please contact your local Dept of Veteran Affairs and they can help.  Norman Schwarzkopf said “The truth of the matter is that you always know the right thing to do.  The hard part is doing it”

    Good luck – we are with you all the way.

    Top 10 Military Movies of All Time

    Tuesday, June 23rd, 2009

    G.I. Joe: The Rise of the Cobra

    Mark your calendars for August 7, when G.I. Joe: The Rise of the Cobra will premiere in theaters. The live-action film, which is set ten years in the future, promises to fill in empty holes for fans curious about how the Cobra Organization came to be. And for moviegoers who are unfamiliar with the G.I. Joe franchise, the new film promises plenty of spectacular effects, stunning fight scenes, and raw intensity.

    We can’t wait!

    To help pass the time until then, we’ve decided to compile a list of the top military movies of all time. If you’re like us and want to make sure you’re fully battle rattled by the time the Cobra rises on August 7, make sure you check out these classic war films:

    1.    Full Metal Jacket

    Full Metal Jacket“Wow” is a fairly common reaction following an initial viewing of Full Metal Jacket, which is arguably one of the most intense Vietnam-era military movies ever made. Released in 1987, Full Metal Jacket returns us to the late 1960s and the experiences of a group of Marines as they start out in basic training. R. Lee Ermey portrays one of the most memorable military characters of all time in Gunnery Sgt. Hartman, whose in-your-face insults and training methods prepare the Marines for their service in Vietnam.

    Why we love it: Gunnery Sgt. Hartman’s rampages are often so intense that they make us laugh, though it’s the sheer intensity of this movie that keeps us coming back for more.

    2.    Saving Private Ryan

    Saving Private RyanSaving Private Ryan follows a group of U.S. servicemen in World War II on a “needle in a haystack” search for a Private who is his mother’s last remaining son following the deaths of his brothers. The idea of sacrifice is questioned throughout the film, as the soldiers on the hunt for Private Ryan find themselves face-to-face with the enemy on the search for one man.

    Why we love it: The opening scene that depicts the Normandy invasion is perhaps our favorite single battle scene of all time. It’s difficult to watch, and that makes it all the more real. The remarkable thing about Saving Private Ryan is its ability to interweave dramatic action with heartfelt emotion almost seamlessly. Plus, Saving Private Ryan boasts pretty much the most awesome sniper scene ever!

    3.    Platoon

    PlatoonPlatoon is a Vietnam War film that tells the story of the disenchantment of Chris Taylor, a wealthy American student who volunteers to serve in military during the war. Upon arriving into the fray, Taylor is quickly confronted with the brutal realities of war. The film continues on to showcase the lives and deaths of Taylor and his platoon.

    Why we love it: Oliver Stone isn’t afraid to be gritty, and this military masterpiece doesn’t attempt to gloss over the horrors of war. There’s a reason Platoon is banned in Vietnam to this day – it’s not pretty, and frankly, it shouldn’t be.

    4.    Black Hawk Down

    Black Hawk DownBlack Hawk Down is a film based on the events surrounding the Battle of Mogadishu in 1993. Although obvious liberties were taken in the creation of the movie from a book written by Michael Durant, an American soldier who was captured and later released, the film does follow the events leading up to the loss of two American helicopters into the heart of Mogadishu. With thousands of Somali militiamen in the streets, the soldiers are faced with constant assault.

    Why we love it: While many of the greatest war movies of all time are based on general experiences, Black Hawk Down depicts an actual event that we remember watching and hearing about on the news. And besides that, the theme of heroism is a theme that runs throughout the film.

    5.    Top Gun

    Top GunTop Gun takes the military motif into the wild blue yonder of the sky. True to his call name Maverick, Lt. Pete Mitchell is a talented, albeit rebellious Naval pilot who gets a shot at the U.S. Navy Fighter Weapons School. During the training, Maverick and his sidekick Goose both impress and enrage their fellow pilots and trainers. Fast flying and hard hitting, Top Gun truly is one of the best military movies of all time.

    Why we love it: Why don’t we love it? Between the action-packed flight scenes, the steamy love scenes and the heart-wrenching Goose death scene, Top Gun leaves nothing to be desired. In fact, Top Gun had most of us dreaming of becoming fighter pilots, ripping through the skies with a fun-loving RIO riding shotgun. And, of course, we’ve all tried the “You’ve Lost That Loving Feeling” routine that Maverick & Goose made famous.

    Heartbreak Ridge6.    Heartbreak Ridge

    Heartbreak Ridge is a film that uses the 1951 Battle of Heartbreak Ridge as the back-story of the life and service of Gunnery Sgt. Thomas Highway. The movie is a character-driven film that focuses largely on the personal and professional life of Highway, calling special attention to his relationships and his sense of duty.

    Why we love it: Clint Eastwood. Do we need anything else?

    7.    The Hunt for Red October

    The Hunt for Red OctoberThe Hunt for Red October is to the seas what Top Gun is to the skies. The film centers on the Red October, a Soviet nuclear submarine captained by Marko Ramius. Fearing what the Soviet government has planned with the submarine’s secret silent propulsion system, Ramius defects to the U.S., a fact initially unbeknownst to the U.S.S. Dallas, which sees the Red October as a rogue threat.

    Why we love it: While other popular military movies focus on fantastic battle scenes and gritty violence, The Hunt for Red October instead hinges its success on suspense.

    8.    Glory

    GloryThe only Civil War movie to make our list, Glory focuses on the efforts of the 54th Massachusetts Volunteer Infantry. The 54th was comprised primarily of African-American soldiers, most of which were freeborn Northerners but some of which were freed or escaped slaves. Glory follows the regiments training and subsequent struggle to earn the respect and glory associated with battle.

    Why we love it: While we do love the massive in-your-face Civil War battle scenes, it’s the more subtle struggles for glory and respect that make Glory a top choice on our list.

    9.    G.I. Jane

    G.I. JaneG.I. Jane is a fictional film that centers on the admission of Lt. Jordan O’Neil to the U.S. Navy’s Special Warfare Group. As the first woman to undergo the training, Lt. O’Neil is forced to deal with obstacles of sexism and tokenism in her attempt to be taken seriously and to successfully complete the training.

    Why we love it: Hands down the best scene in the film occurs after Lt. O’Neil suffers a drawn out beating from Master Chief Urgayle. Her tenacity and ability to swallow down her fear is incredible. And of course, O’Neil’s response to being told to leave after the beating is absolutely classic.

    10. Stripes

    StripesOur only military comedy on the list, Stripes shines a comedic light on military basic training and overseas service. Front and center in the film is Bill Murray as John Winger, a ne’er-do-well who manages to bumble his way through basic training with the help of his best friend. Eventually deployed to Italy, their own stupidity has them wandering into Soviet territory, eventually leading a successful mission against a Soviet base.

    Why we love it: Love him or hate him, Bill Murray is hilarious. Stripes was released in the pinnacle of Murray’s reign as the king of awkward comedy, and offers the much-needed comic relief that others – like In the Army Now and Major Payne – failed to do.

    Related: Active Military and Veterans Qualify for VA Loans.