WEBVTT 00:07.510 --> 00:10.810 A airman can benefit from my class for 00:10.819 --> 00:13.329 many reasons . Number one , they're 00:13.340 --> 00:15.970 gonna learn about entitlement , which 00:15.979 --> 00:19.209 means how many homes can you own using 00:19.219 --> 00:22.510 your va home loan ? There are fees that 00:22.520 --> 00:24.649 a lot of lenders charge that the va 00:24.659 --> 00:26.870 does not require it . There's nothing 00:26.879 --> 00:29.101 wrong with the lenders charging this as 00:29.110 --> 00:31.870 long as you are educated on what fees 00:31.879 --> 00:33.879 that you don't have to pay and then 00:33.879 --> 00:35.935 make sure you never pay them . It is 00:35.935 --> 00:37.712 going to save you thousands and 00:37.712 --> 00:39.709 thousands of dollars . Hey , hey , 00:39.720 --> 00:41.990 everybody . I'm Scotty mcilroy and I 00:42.000 --> 00:45.090 work for a 401 C nonprofit called the 00:45.099 --> 00:47.180 Veterans Movement Foundation . Our 00:47.189 --> 00:49.022 mission is truly just to educate 00:49.022 --> 00:51.245 everybody on the va home loan benefit . 00:51.245 --> 00:53.189 I'm a veteran myself in the United 00:53.189 --> 00:55.356 States Air Force Security forces . The 00:55.356 --> 00:57.356 biggest highlights that people take 00:57.356 --> 00:59.578 away is again , is how many homes and , 00:59.578 --> 01:01.689 and that uh the va funding fee , what 01:01.689 --> 01:03.745 it is , how much is it ? And certain 01:03.745 --> 01:05.856 people are exempt from the va funding 01:05.856 --> 01:08.078 fee . And we go in depth on people that 01:08.078 --> 01:10.300 don't have to pay that fee . Uh We , we 01:10.300 --> 01:13.055 go in depth on the importance of just 01:13.065 --> 01:15.180 being a homeowner , the , the in our 01:15.190 --> 01:17.134 country , the and , and people can 01:17.134 --> 01:19.169 Google this and the net worth of a 01:19.180 --> 01:21.410 homeowner in our country is over 01:21.419 --> 01:24.620 $250,000 . The home , the net worth of 01:24.629 --> 01:26.900 a renter , somebody who rents is around 01:26.910 --> 01:30.129 $6000 . You're worth 40 times more in 01:30.139 --> 01:32.900 our country simply by owning a home and 01:32.910 --> 01:34.966 you have this beautiful benefit that 01:34.966 --> 01:36.989 has zero money down and you're not 01:37.000 --> 01:39.000 paying private mortgage insurance . 01:39.000 --> 01:41.222 Your interest rates are better with the 01:41.222 --> 01:43.444 va home loan as opposed to conventional 01:43.444 --> 01:45.667 FH A and , and so on and so forth . And 01:45.667 --> 01:47.833 so all of these , I go over highlights 01:47.833 --> 01:50.000 of not only how to use it or , and why 01:50.000 --> 01:52.529 you should use it . I , I have so many 01:52.540 --> 01:54.762 success stories of coming to . First of 01:54.762 --> 01:56.762 all , I love yellow ribbon . I love 01:56.762 --> 01:58.651 coming here and helping and , and 01:58.651 --> 02:00.540 meeting the reservist and all the 02:00.540 --> 02:02.707 veterans . I'm a veteran myself . So I 02:02.707 --> 02:02.610 just love being around veterans . But 02:02.620 --> 02:04.676 people have told me to come back and 02:04.676 --> 02:06.731 said , hey , by the way , because of 02:06.731 --> 02:08.842 your class , I went by a home . I , I 02:08.842 --> 02:10.842 made sure I didn't pay any of these 02:10.842 --> 02:13.064 lending fees you're talking about . I , 02:13.064 --> 02:15.287 I took two different companies compared 02:15.287 --> 02:17.342 them to together and I saved $5000 . 02:17.342 --> 02:19.287 You know what I mean ? And so that 02:19.287 --> 02:21.453 makes me obviously feel wonderful that 02:21.453 --> 02:23.676 this education is getting out there and 02:23.676 --> 02:25.898 it is helping veterans and our reserves 02:25.898 --> 02:28.524 save money by buying a home and , and 02:28.535 --> 02:30.813 understanding the importance of owning , 02:30.813 --> 02:32.868 of owning a home . The fact that you 02:32.868 --> 02:35.134 bring families here , I just loved as 02:35.145 --> 02:38.445 somebody who was AAA spouse of a chief 02:38.455 --> 02:40.824 mass sergeant . Uh But , but just this 02:40.835 --> 02:43.820 knowledge that that is being given to 02:43.830 --> 02:46.309 the family members is amazing , please . 02:46.320 --> 02:48.542 If you do come , come see me in your va 02:48.542 --> 02:50.542 home loan briefing , I promise it's 02:50.542 --> 02:52.598 gonna be worth your time . The , the 02:52.598 --> 02:54.598 last thing that I always ask during 02:54.598 --> 02:56.709 classes is was this worth your time ? 02:56.709 --> 02:58.376 And I for the most part get a 02:58.376 --> 03:00.376 resounding . Yes , it's a very loud 03:00.376 --> 03:02.598 audible . Yes . And so I promise if you 03:02.598 --> 03:04.764 come to yellow ribbon , you see the va 03:04.764 --> 03:06.931 home loan um briefing if you come down 03:06.931 --> 03:09.153 and see me at my resource table and you 03:09.153 --> 03:11.209 have any questions about real estate 03:11.209 --> 03:13.209 whatsoever , I promise I can answer 03:13.209 --> 03:13.080 them and if I can't , I can find 03:13.089 --> 03:13.860 somebody who does .