Jeremy Hilton, 2012 Male Military Spouse of the Year, Talks with Veterans United Network

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Jeremy Hilton, 2012 Male Military Spouse of the Year, Talks with Veterans United Network

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Image: – – Macho Spouse

 

Jeremy Hilton was recently named the 2012 Military Spouse of the Year by Military Spouse Magazine. (www.baseguide.com) It's the first time a male has been honored.

Jeremy is the father of two. He is not only a Stay-At-Home-Dad (SAHD) while his wife is deployed with the Air Force but he is also caring for a special needs child.

A Navy veteran himself, Jeremy talked about the resources out there for spouses serving at home while their loved one is deployed. He mentioned Macho Spouse (machospouse.com) was particularly helpful.


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What Does 'No Money Down' Really Cost?

FlagHouse.jpgIs it possible to buy a home with no money down? If you or your spouse qualifies for a VA home loan, the answer is yes. VA home loans are a special benefit available to current and ex-members of the U.S. military only and they can save homebuyers a lot of money. Veterans and active members of the U.S. military are eligible for some of the lowest interest rates on the market but that's not the only way VA Loans save buyers money. VA Loans are also "No Money Down" home loans.

Understanding "No Money Down"

"No money down" means homebuyers don't have to provide a down payment to obtain a VA Loan. Traditional mortgages or home loans require as much as 5% to 20% of the purchase price as a down payment on a home. On a $200,000 home that is between $10,000 and $20,000 that must be provided at the closing. Saving up that much money for a down payment is a huge stumbling block for many would-be buyers. They may have the credit and income qualifications needed to obtain a home loan, but just can't come up with the down payment. Too often they end up not buying their own home or they miss out on the home they really want.

The VA Loan program changes that and makes homeownership more accessible by waiving the down payment requirement. VA Loan mortgage lenders are willing to forego this requirement because VA Loans are backed by the U.S. Government. This minimizes the risk to lenders if a buyer defaults, which is one of the primary reasons down payments are typically required.

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PTSD in the Family

The following article on PTSD was written by American Military University faculty member, Craig Gilman.

June is Post-Traumatic Stress Disorder (PTSD) Awareness Month. The National Institute of Mental Health (NIMH) states that “PTSD affects about 7.7 million American adults, but it can occur at any age, including childhood. Women are more likely to develop PTSD than men, and there is some evidence that susceptibility to the disorder may run in families.”

Male spouses should note that statistics indicate their female spouses are more likely to develop PTSD than men. All parents should realize that children are susceptible, as well. Visit the NIMH PTSD site for a comprehensive overview of the causes, symptoms, treatments and tips for living with PTSD. If you suspect a loved one might suffer from PTSD, professional diagnosis and counseling should be strongly pursued.