User Posts: Ryan Guina
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How Chase Supports Military Entrepreneurs – Chase for Business Military Banking Benefits

JPMorgan Chase has long been a supporter of the military community, with initiatives that range from hiring current and former military members for their ...

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VA Loan Certificate of Eligibility – Why You Need it and How to Get One

VA Loan Certificates of Eligibility have made it possible for thousands of veterans to take advantage of VA Loans to make their dreams of owning a home a ...

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VA Loan Property Types – Which Type of Home Can You Buy with a VA Loan

VA Loans are an excellent way for U.S. military members, veterans, and their families to buy a home. VA Loans feature many benefits, including being easier to ...

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DD Form 214 – Why It’s Important, And How to Get a Copy of Your DD 214

The DD Form 214, Discharge Papers and Separation Documents is the most important military document you will ever receive. This form serves as your proof of ...

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VA Loan Limits by County – How Much House Can You Buy with a VA Loan?

If you’ve decided that you want to pursue a VA home loan to get into your dream home, but you don’t know just how much you might qualify for, knowing how much ...

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VA Loan Eligibility and Service Requirements

Getting approved for a VA home loan can be a lengthy, confusing, and frustrating process. When you’re in the midst of it, it can feel like you’re a show dog, ...

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VA Loan Guide – What You Need to Know About Buying a Home with a VA Loan

The VA Loan Guaranty program was created during World War II to help military members veterans purchase a home. The program makes it easier for qualifying ...

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2019 VA Disability Compensation Rates – Updated Veterans Compensation Benefits Rate Tables

The 2019 VA Disability Compensation Rates are effective as of Dec. 1, 2018. If you receive VA disability pay, you will notice the increased amount in your ...

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College 529 Plans – Saving for College

This article is meant for people who may have heard about college savings plans and would like to know a little more.  College planning for your children is a ...

Browsing All Comments By: Ryan Guina
  1. Hello Joseph, Based on the provided information, you should be eligible for Concurrent Receipt, meaning you would receive both your full military retirement pay and your VA disability pay without offset. You can read more about this here.

    I wish you the best, and thank you for your service.

  2. Great comment, Gerald. Just because you can buy a home with less than 20% down, doesn’t mean you should. However, it is an option, and can work out in favor when compared to making a small down payment on a conventional loan and paying PMI. There are other factors to consider as well, such as the VA Loan Funding Fee, origination fees, and other costs.

    The plan is to write a series of VA Loan articles over the coming weeks to help inform veterans of their options when buying a home. VA Loans are just one way to buy a home. Sometimes they are the best option, and other times they aren’t. Hopefully, we can help veterans learn more about the process to give them more empowerment when it comes time to make that decision!

    Thank you again for the comment!

  3. Hello Shannon, veterans with a disability rating of 30% or higher can add dependents to their claim. It is the veteran’s responsibility to contact the VA to inform them of changes to their status, including adding or removing dependents. Your husband should contact the VA to ensure his claim is correct, and add or remove any dependents as necessary. This can be done with VA Form 21-686c. You can learn more here.

    I wish you and your family the best!

  4. Hello Tom, I am not aware of any means to challenge points that were not earned. But I would get a points summary statement prior to joining the Navy Reserves. You mentioned you had 24 years of service (7.7 + 12.3 + 4 = 24). Your comment states you only had 3 years that didn’t count. So I would get an official point statement from the Air Force and the Army National Guard, and make sure they are all accounted for in one place (whichever was your final branch of service). Make sure they have the point statements from the other branches/components. Then get a point summary. If you have 20 good years, then you don’t need any additional service time.

    Good luck!

  5. Hello Lori, Thank you for your comment. This sounds like a situation that warrants individual attention beyond what can be provided via email.

    I recommend speaking with someone who can review his specific situation and offer personalized assistance (this is not something we are qualified to provide).

    The best thing to do is to contact a veterans benefits counselor at the VA or county VA office, or with a Veterans Service Organization such as the DAV, AMVETS, American Legion, VFW, etc. They have counselors who offer free, individualized claims assistance.

    I wish you and your son the best!