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Your local Community Support Coordinator. Here you will find helpful resources in your area.

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Employment Opportunities
There are many employment opportunities in Ohio. Many organizations prefer hiring Soldiers and Veterans.
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Post 9/11 GI BILL
Soldiers who served at least 90 days on active duty on or after 11 September 2001 are eligible to take advantage of the Post 9/11 GI Bill which provid...
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The Community Covenant
The program is designed to foster and sustain effective state and community partnerships with the Army to improve the quality of life for Soldiers and...
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Finances
Military Saves

Be a Military Saver

"I've got plenty of savings, and I never worry about money."

Help our military families and our nation say that and mean it. Join the Military Saves campaign today, and invite your entire organization to become a saving community. Visit www.militarysaves.org.

If you’re part of a military organization, ask your commander to commit to the campaign. It’s part of the DoD Financial Readiness Campaign, and is an official program authorized by the Undersecretary of Defense for Personnel and Readiness. Army, Navy, Air Force, Marine Corp, National Guard, and Coast Guard are all partners in the campaign. It’s as simple as promoting saving – for emergencies, for purchases, for debt reduction, for home ownership, for education, for retirement – to the men and women in your organization, and to their families. Your defense credit union and military bank will help you by offering incentives and support for special events, and your Family Programs office can provide classes, workshop, counseling, and other financial literacy services that your people will want once they commit to building wealth.

If you’re a corporate representative or contractor, support the campaign within the military organizations you’re connected to, and bring the campaign to your company. Military Saves is part of the America Saves campaign, and we are committed to helping all organizations encourage saving among their employees, members and customers. Your human resources, marketing, and other executive staff will be interested in the simple system we suggest for campaign participation, and in the customizable resources available for your campaign partnership.

Go to www.militarysaves.org. today, and click on the “Resources” tab. If you have questions or want individual consultation, call or email us. Welcome to the campaign for a financially free America!



Ohio Paying Bonuses to Veterans

Ohio will be paying bonuses of up to $1,500 to service members who were legal residents of Ohio when serving during the 1991 Gulf War, or in Iraq or Afghanistan--as well as $50 per month (up to $500) for those who served in other parts of the world. For more information, refer to Web site or call (877) 644-6838.



What is a VA Guaranteed Home Loan?

A VA-guaranteed loan is a loan made by private lenders (such as banks, savings & loans, or mortgage companies) to eligible veterans. If you want to purchase a home, condominium or manufactured home, the VA can guarantee up to $417,000 of the total loan -- much higher than you can get with most conventional home loans. If you are considering refinancing an existing loan, VA offers you two options. You can either refinance to reduce your current interest rate or you can take equity out (cash-out). The "cash-out" option is limited to $144,000.

Better yet, there is no need to worry about financing a down payment The portion of the home purchase price which the buyer pays in cash and does not finance with a mortgage. on a VA loan. However certain funding fees Percentage of total home loan paid to the VA at time of loan closing. and closing costs Expenses (over and above the price of the property) incurred by buyers and sellers in transferring ownership of a property. Also called settlement costs. apply, and you must be able pay a portion of these fees upfront.

With a VA guarantee, you get a mortgage Legal document that pledges a property to the lender as security for payment of a debt. with a competitive interest rate. The lender you borrow money from is protected against loss up to the amount of the guarantee if you fail to repay the loan, and you have the flexibility to purchase a great home. Visit the Veterans Administration website for the current table of VA Funding Fees and for information on veterans who are exempt (pay zero) from funding fees.

Specifically, a VA home loan can help veterans:

  • Buy a home or residential condominium
  • Build a home
  • Repair, alter or improve a home
  • Refinance an existing home loan
  • Buy a manufactured home with or without a lot
  • Buy and improve a manufactured home lot
  • Install a solar heating or cooling system or other weatherization improvements
  • Purchase and improve a home simultaneously with energy efficient improvements
  • Refinance an existing VA loan to reduce the interest rate
  • Refinance a manufactured home loan to acquire a lot

There are other VA Home Loan Safeguards:

The VA may suspend from the loan program those who take unfair advantage of veteran borrowers, or decline to sell a new home or make a loan to an eligible veteran of good credit because of race, color, relig - ion, sex, disability, family status or national origin.

The builder of a new home is required to give the purchasing veteran a one-year warranty that the home has been constructed to VA-approved plans and specifications. A similar warranty must be given for new manufactured homes. In cases of new construction completed under VA or HUD inspection, the VA may pay or otherwise compensate the veteran borrower for correction of structural defects seriously affecting livability if assistance is requested within four years of a home loan guaranty. The borrower obtaining a VA loan may only be charged the fees and other charges prescribed by VA as allowable. The borrower can prepay without penalty the entire loan or any part not less than the amount of one installment or $100. The VA encourages holders to extend forbearance if a borrower becomes temporarily unable to meet the terms of the loan.



Disclaimer

Disclaimer: Reference and mentioning herein to any specific business, private organization, manufacturer, appearance of external links on this site, or otherwise, does not constitute or imply its official endorsement, recommendation, or favoring by the United States Government, Department of Defense, United States Army or United States Army Family and MWR Command. The views and opinions of expressed herein do not necessarily state or reflect those of the United States Government, United States Army, Department of Defense or United States Army Family and MWR Command, and shall not be used for endorsement purposes.



Resources for Servicemembers and Families During Tough Economic Times

Download this Word document to find helpful economic resources in your area:



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