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The Loan Officer works for them, not the other way around. At any time during the process of completing the application and closing of escrow, the client – if they want – can find someone else to work with. I don’t want to sound like VA loan officers have no value or bring nothing to the table, its just good to understand what my responsibility is – WHICH IS HELPING THE SOLDIER/VETERAN! Without them I cannot put food on the table, but they can still get a VA loan without me.

I hope that did not sound like a rant, I just want to get the point across of how important the Veteran is.

There are many ways that I can show appreciation for Veterans and Soldiers buying homes. Let me list some of what I have done:

1. Give them the service they deserve. When talking with them on the phone or in person be sure to thank them for their military service. Sometimes address them using their Rank – this shows respect. Be prompt in your timelines and expectations.

2. Offer the best rates. Be competitive in the marketplace. Veterans and Soldiers will know if you are giving them higher VA interest rates and higher fees. I’m not suggesting doing the loan for free, but don’t “stick it” to them either. Trying to back pedal after you’ve been “caught” offering a bad deal is not a fun situation to be in.

3. Communicate. This is key. The best clients I have are the ones where I talk with them about the process of buying a home. I always try to educate Veterans or Active Military. Before closing explain to them how the final settlement statement looks and if there are any changes regarding rates, fees etc. NEVER DO A BAIT AND SWITCH!

4. Give them something of value. This is not too much to ask. Something simple like a Home Depot gift card or a house warming gift. The most recent purchase I did was here locally in UT. There were some speed bumps along the way to say the least. At the closing table I brought in a gift basket full of over the counter medicine as a joke. I also had some dish towels for the wife. They did not expect this, but they were very grateful because it was going above and beyond the call of duty.

5. Follow up. After the dust settles and your clients have moved in or completed their refinance, call them and ask how they like their new home or lower monthly payments. Send them birthday cards or Holiday cards.

In order to be successful in this business, you must always show your Veteran/ Active military clients that you care and appreciate them. Before you know it they will be sending referrals to you and that’s when you know you have created a business partner for life.

In the wake of the mortgage meltdown JP Morgan Chase exited the TPO or brokered loans portal and decided almost over night that they would not even honor locked in TPO loans for veterans.  I personally had to disappoint numerous military families with this bad news and quickly become the bad guy!

I think all vets, military families, etc should keep in mind that JP Morgan Chase did NOT have veterans and VA loans in their interest a couple of years ago when it was needed the most!

Sincerely,

A frustrated VA loan officer

When you picture a Viking warrior, you picture a large burly warrior with animal skin clothing, wielding a double-sided axe and a freakish horned helmet. With the exception of the horns on the helmet (which historians claim were strictly for ceremonial purposes), you’d be right. Sailors and pirates by trade and hailing from Scandanavia, these broad-shouldered brutes raided and roamed the region on long wooden boats and considered “hand weapons” to be far more honorable than bows and spears – a much more intimate way to kill.

Primary Weapons: Battle Axe and Shield
Secondary Weapons: Sword and Spears
Era: 800 – 1100AD

2. Knights

Immortalized by the legend of King Arthur and the Knights of the Round Table, a true knight is a “gentleman soldier” ruled by integrity and honor. Though they may not be as savage as the rest, they were elite warriors with an unwavering commitment to values, faith, loyalty, courage and stewardship over the weak. Universally skilled horsemen, they wore ironclad armor, enclosed helmets and chainmail as they fought fearlessly with swords and pride.

Primary Weapons: Swords and Shield
Secondary Weapons: Spears and Daggers
Era: Middle Ages (400 – 1400AD)

3. American Indians

For a simple white man roaming the prairie, it must have been a terrifying sight to watch as a swarm of Indian warriors closed in. Highly skilled in both hand-to-hand combat and weapon wielding, the tribes of America were spiritual warriors with a great spiritual respect for their opponents but a keen sense of survival. Though the methods of the tribes varied by region, the wartime wardrobe was typically very ornate and artistic and they fought with hatchets, spears, war-clubs and of course, the bow and arrow. Widely successful with the element of surprise, a skilled Native American warrior was able to throw a hatchet end-over-end with an accuracy of 30 feet and open up the chest of their opponent with a single blow. Between the feathers, ivory adorned weapons and ritualistic face paint, they were proud warriors and an artistic sight to see on the battlefield.

Primary Weapons: Bows and Hatchets
Secondary Weapons: Spears and later the rifle
Era: 1500 – 1900AD (referring to the era of largest conflict)

4. Spartans

The advantage of the Spartan warrior was the fact that they were crafted as soldiers starting on day one. At birth, infants are bathed in wine. If a child was considered suitable for life, they were raised proper in the militant society; however, if the infant was considered undersized or deformed, they were cast into the chasm of Mount Taygetos. In battle, this purebred race carried swords and spears and wore decorative helmets, breastplates, leg armor (greaves) and the ever-important shield that was presented to them by their wives before the battle. The shield was of large importance because it was linked to honor – he was expected to return home with it or die with it. If he returned home without his shield, it was believed that he abandoned his shield to flee for his own life and thus dishonoring and endangering his brothers in arms.

Primary Weapons: Swords and Shields
Secondary Weapons: Spears
Era: 650 – 195BC

5. Gladiators

The gladiators of Rome were not there by choice – they were slaves, criminals and prisoners that were exploited for the public’s entertainment. There were many degrees and varieties of gladiator activities but the common theme was life or death. Depending on the wishes of the emperor, the gladiators were thrust into the ring with various opponents; however, they were often given minimal armor and insufficient weapons for their defense. Faced with the option of life or death and left to fend for themselves, the gladiators were a rare breed of warrior with nothing to gain and everything to lose.

Primary Weapons: Sword and Shield
Secondary Weapons: Spears, daggers and random weaponry
Era: 3rd century BC – 5th century AD

6. Samurai Warriors

A staple in the history of Japan, the Samurai warrior was a representation of the upper echelons of the warrior class. Founded on “the way of the sword,” the Samurai believed whole-heartedly that the purpose of the warrior was enduring honor and duty to one’s master. With the finest sword in hand and dressed in the signature sleek black armor of the Samurai, they were a most dangerous combination of physical and mental capabilities. As students of Zen Buddhism and firm believers in the concept of loyalty and honor in life, the warriors were of impeccable character and particularly dangerous because of their fearlessness – indifferent to the fear of death and killing.

Primary Weapons: Katana (Samurai Sword)
Secondary Weapons: Wakizashi and Tanto (smaller swords and knives)
Era: 700 – 1800sAD

7. The Romans

Considering the word decimation was created as a result of the actions of the Roman soldiers, one must believe they were a force to be recon with. Derived from a form of discipline within the Roman military for anything “mutinous or cowardly,” a unit of ten soldiers would draw lots and the loser would be executed by the other nine – regardless of who was at fault. Couple this ingrained drive for loyalty with the most innovative and industrious minds of the era, it is no wonder the Roman Empire had the stronghold that it did. During the earlier years of the empire, historians say that the soldiers were originally unarmored and wore only a tunic and carried only a spear; however, as the empire expanded the soldiers were noted for their helmets with horsehair plumes, bronze cuirass, oval shields and lengthy spears. Much like the LA Lakers or the NY Yankees, the Roman soldiers were definitely tough but the intimidation of their reputation preceded them.

Primary Weapons: Spear and Shield
Secondary Weapons: Sword and Dagger
Era: 500BC – 1400sAD

8. The Huns

Quite the opposite of the “pretty boy” Romans, the Huns found great success with intimidation through their utterly repulsive nature. By all accounts, journal entries from former opponents use colorful phrases such as, “a savage race … a stunted, foul and puny tribe, scarcely human and having no language save one which bore but slight resemblance to human speech … a sort of a shapeless lump, not a head, with pin-holes rather than eyes” to describe the Huns. Nomadic by nature, these tribes lived off the land and developed very hard and brute tendencies as a result of their poverty. Dressed in round caps, trousers or leggings made from goatskin and rodent skin tunics that were worn until they fell apart, the only hint of a civilized nature was that their main military technique was mounted archery. Aside from that, the carried double-edged swords and jagged daggers for their plunders.

Primary Weapons: Bow and Arrow
Secondary Weapons: Crude Swords and Daggers
Era: 370 – 454AD (height of power)

9. Delta Force

Historical warriors were no doubt impressive men in their own right but they simply cannot compare with marriage of modern technology and tactics. No list of skilled warriors can be created without the mention of Special Forces such as Delta Force and the Green Beret. Literally, the cream of the crop in the world of military achievements, the men from Delta Force are hand picked and trained by the greatest minds known to the industry and educated on combat on a deeper level. Bred for the sole purpose of national defense, they are trained killers that are able to use the gun as an extension of their hands – landing bullets were their mind believes it will go. Combine the necessary prerequisites with the extensive training within the specialized field, the modern men of Special Forces are easily on the upper tier of history’s warriors.

Primary Weapons: The Gun
Secondary Weapons: Their Team Member’s Gun
Era: 1977 to present

10. The Navi Warrior (Avatar)

Combine the advanced physical capabilities of modern man with the spiritual heightening of the Native American warrior and host these attributes in a body that is twice as tall and you’ll have a Navi Warrior. Yes, they’re a fictional character from the recent James Cameron film Avatar but they are deserving of the nomination. Primal animal characteristics and human intelligence aside, they have Mother Nature on their side and have formed an alliance with flying dragon beasts – as the movie suggests, a Navi tribesman is a true warrior if ever there was one.

Primary Weapons: Bow and Arrow
Secondary Weapons: Spears
Era: 2154AD

1. Atomic Energy – Absurdly efficient energy source capable of powering (or obliterating ) a large city. Used widely throughout the world. WWII

2. Anesthesia – the use of Chloroform began in the Civil War to aid Battlefield Surgeons efforts to cleanly and humanely process the injured soldiers. Shortly thereafter the movement began to gain traction in the private sector, improving medical care by cleaner surgeries and fewer infections. US Civil War.

3. Computer – We live in a wired society. Computers are part of the fabric of our daily lives at work, in the car or at home. Originally conceived and designed during WWII as a code breaking aid. WWII

4. Internet – Conceived and designed in the late 1970’s during the height of the cold war as a defense against nuclear war. The thought was that if vital government information could be stored in a virtual environment, it would be impossible to take out communications at one location. The effect of this advancement is obvious to anyone reading this.  Cold War

5. Satellite Technology – The “Space Race” fueled by the underlying Cold War gave rise to an invention that facilitated better, safer, and more meaningful intelligence gathering activities. Modern day commercial applications have expanded to include the advent of GPS, and of course cable television and wireless internet. Cold War

6. Penicillin – Discovered around the turn of the 20^th century, this simple drug which came to prominence during WWII has saved Billions of lives from previously deadly bacterial infections. WWI and WWII

7. Rubber – As the Allied forces scrambled to produce the equipment that would facilitate victory against the Axis powers, a major breakthrough came with the invention of synthetic rubber. Prior to this rubber was harvested via “rubber trees” in the South Pacific and Latin/South America. The invention allowed commercial ventures to explode and grow the American economy to the world’s leading economic power. The most obvious application? Automobile tires. WWII

8. Jet Engine – Aeronautic technologies were able to “take off” in WWII & the Korean War Conflict with the invention of higher octane, more efficient super fuels, stronger and lighter engines and advances in aerodynamic engineering. Howard Hughes, the filmmaker, billionaire industrialist and international playboy pioneered many technologies which ensured unrivaled American Air superiority to this very day. WWII & Korean Conflict

9. Submarine – Incredibly, while the notion of maritime submersible vehicles have been “floating” around since the early 1600’s, the first rudimentary (yet viable) submarine was launched in 1775. American Revolutionary War

10. Pepto Bismol – Pink Bismuth may not mean much to most, but for those of us this summer who suffer with the occasional post-hot dog heartburn this is a lifesaver. Originally conceived during WWII, this product was introduced commercially directly after the war. And the rest is