Get the FAQs on VA Home Loans #mortgage #brokers


#can i get a home loan

#

Money

Get the FAQs on VA Home Loans

Why get a VA loan over other types?

Simply put, a VA Home loan allows qualified buyers the opportunity to purchase a home with no down payment. Also, there are no monthly mortgage insurance premiums to pay, limitations on buyer’s closing costs, and an appraisal that informs the buyer of the property value. For most loans on new houses, construction is inspected at appropriate stages and a one year warranty is required from the builder. VA also performs personal loan servicing and offers financial counseling to help veterans having temporary financial difficulties.

What if I’ve used a VA Home Loan Before?

You can have previously-used entitlement restored one time only in order to purchase another home with a VA loan if the borrower has paid off the prior loan but still owns the property, and wants to use his entitlement to purchase a second home. This often occurs with active duty borrowers who PCS to a new station but want to keep their existing home for retirement. However, if the prior loan has been paid off and the property is no longer owned, they can have their entitlement restored as many times as they want. They can re-use their VA eligibility for every home purchase from the first to the last.

Also, veterans who have used a VA loan before may still have remaining entitlement (see chart) to use for another VA loan. A veteran’s maximum entitlement is $89,912, and lenders will generally loan up to four times your available entitlement without a down payment, provided your income and credit qualifications are fine, and the property appraises for the asking price. Lenders may require that a combination of the guaranty entitlement and any cash down payment must equal at least 25 percent of the reasonable value or sales price of the property, whichever is less.

*Lenders operate under their own regulations and guidelines in these matters

For Alaska, Hawaii, Guam, and U.S. Virgin Islands residents, note that maximum original loan amounts have now been increased 50% higher for first mortgages.

Remaining entitlement and restoration of entitlement is not automatic. It can be requested through the nearest VA office by completing VA Form 26-1880. The entitlement may also be restored one time only if the veteran has repaid the prior VA loan in full but has not disposed of the property purchased with the prior VA loan.

What service is not eligible for a VA Home Loan?

You are not eligible for VA financing solely based upon Active Duty for Training in the Reserves or National Guard.

Note: Guard and Reservists are eligible if they were activated under the authority of title 10 U.S. Code as was the case for the Iraq/Afghanistan.

Do all local lenders offer VA Loans?

Not necessarily. Choose a VA-approved lending institution that can handle your home loan. A lender can help you review your credit history and determine how much of a loan you can qualify for. Be aware that different lenders have different closing costs and other fees, so it pays to shop around.

What types of repayment options are available?

The guarantees thirty-year loans with a choice of repayment plans: Traditional fixed payment (constant principal and interest); Graduated Payment Mortgage, or GPM (low initial payments which gradually rise to a level payment starting in the sixth year); and in some areas, Growing Equity Mortgages, or GEMs (gradually increasing payments with all of the increase applied to principal, resulting in an early payoff of the loan). There is no prepayment penalty.

What is the maximum VA loan?

Although there is no maximum VA loan (limited only by the reasonable value or the purchase price), lenders generally limit the maximum VA loan to $417,000.

If I was discharged years ago and want to qualify for a VA loan, what forms or other documents will I need?

Everyone is required to obtain a Certificate of Eligibility. If you do not have this Certificate, you will need to apply using VA Form 26-1880 and this will require a copy of DD-214 (Certificate of Release or Discharge from Active Duty) showing character of service. Along with the Certificate of Eligibility, loan applicants will need to document their credit, savings and employment information.

Does a veteran’s home loan entitlement expire?

No. Home loan entitlement is generally good until used if a person is on active duty. Once discharged or released from active duty before using an entitlement, a new determination of their eligibility must be made based on the length of service and the type of discharge received.

Reservists are eligible for VA Loans, too. Who qualifies?

Eligibility extends to members who have completed a total of 6 years in the Selected Reserves or National Guard (member of an active unit, attended required weekend drills and 2-week active duty for training) and received an honorable discharge; continue to serve in the Selected Reserves. Individuals who completed less than 6 years may be eligible if discharged for a service-connected disability. In addition, reservists and National Guard members who were activated on or after August 2, 1990, served at least 90 days and were discharged honorably are eligible.

Can I build a home with a VA Home Loan?

Yes. But there are several clauses that may make this difficult to accomplish. Many veterans use their VA Home Loan Certificate of Eligibility to negotiate in good faith a private home construction loan and then refinance the completed home using VA Home Loans.

Download afree VA Loan Guidetoday.

Can you take out a VA loan for a second home or vacation cabin?

The law requires that you certify that you intend to occupy the property as your home. But it specifically provides that occupancy by the veteran’s spouse satisfies the personal occupancy requirement. However, there are no provisions for other family members. VA Home Loans are available for a variety of purposes including building, altering, or repairing a home; refinancing an existing home loan; buying a manufactured home with or without a lot; buying and improving a manufactured home lot; and installing a solar heating or cooling system or other weatherization improvements. You are also allowed to buy income property consisting of up to four units, provided you occupy one of the units.

Can a veteran obtain a VA loan for the purchase of property in a foreign country?

No. The property must be located in the United States, its territories, or possessions. The latter consist of Puerto Rico, Guam, Virgin Islands, American Samoa and Northern Mariana Islands.

What is a VA-guaranteed manufactured home loan?

A private lender makes a VA-guaranteed manufactured home loan. The VA will protect the lender against loss if the veteran or a later owner fails to repay the loan. The amount VA will guarantee is 40 percent of the loan amount or the veteran’s available entitlement, up to a maximum amount of $20,000. The guaranty amount is not the same as the amount a veteran can borrow.

If a borrower has used a VA loan in the past, can that person be eligible again?

Veterans who had a VA loan before may still have remaining entitlement to use for another VA loan. The current amount of entitlement available to each eligible veteran is $36,000. Veterans can have previously-used entitlement restored to purchase another home with a VA loan if: the property purchased with the prior VA loan has been sold and the loan paid in full, or if a qualified veteran buyer agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the veteran seller. The entitlement may also be restored one time only if the veteran has repaid the prior VA loan in full, but has not disposed of the property purchased with the prior VA loan.

I am a Veteran who purchased a home with my spouse utilizing my VA eligibility. I am now divorced and my spouse was awarded the home. How do I get my eligibility back?

When the property is awarded to the Veteran’s spouse as a result of the divorce, entitlement cannot be restored unless the spouse refinances the property and / or pays off the VA loan in full or the ex-spouse is a veteran who substitutes their entitlement.

I heard the VA has an inventory of foreclosed homes. How can I find out more about this?

The Department of Veterans Affairs (VA) acquires properties as a result of foreclosures on VA guaranteed loans. These acquired properties are marketed through a property management services contract with Ocwen Federal Bank FSB, West Palm Beach, Florida. Local listing agents through local Multi Listing Systems (MLS) list the properties. A list of properties for sale may also be obtained from Ocwen’s website at http://www.ocwen.com/ .

NEXT STEP: Get started using your VA Home Loan, Download a free VA Loan Guide today.


Mortgage – FHA Loan and VA Loan – Wells Fargo #mortgage #online


#fha mortgage rate

#

FHA and VA Home Loan Programs

  • Available in a variety of fixed-rate and adjustable-rate loan options.
  • Has down payment options as low as 3.5%.
  • May allow you to use a gift or grant for all or a portion of the down payment or closing costs.
  • Lets you add extra features such as a temporary buydown .
  • You typically have to pay upfront and monthly FHA mortgage insurance premiums.
  • Provides financing for qualified veterans, reservists, active duty personnel, or eligible family members.
  • Available in a variety of fixed-rate and adjustable-rate loan options.
  • Allows closing costs to come from a gift or grant.
  • Has low-and-no-down payment options
  • Lets you add extra features such as a temporary buydown .
  • Requires less cash upfront for your down payment and closing costs.
  • Available for all income levels.
  • Allows a new buyer to take over the loan if you sell your home (subject to loan approval).
  • Allows a co-applicant to help you qualify even if the person doesn’t live in the home.
  • Provides a wide range of rate, term, and cost options.
  • Doesn’t require monthly mortgage insurance .
  • Provides the potential for minimal out-of-pocket expenses with seller contributions.
  • An FHA loan has the benefit of a low down payment but there are other loan products with the same option.
  • Be certain to ask your home mortgage consultant to help you compare the overall costs of all products, including the monthly and long-term costs and conditions of the required mortgage insurance.
  • You can typically only have one FHA mortgage at a time.
  • In many instances, you may find an FHA loan to be a more expensive financing option and should be considered after thoroughly evaluating all other product options that meet your credit qualifying and financial needs.
  • With a VA loan, you typically have to pay a one-time VA funding fee that can be financed into the loan amount.
  • You can get financing for your primary residence only.

Mon – Fri: 7 am – 9 pm
Sat: 8 am – 6 pm
Sun: 10 am – 6 pm
Central Time

Mortgage customer service

1-800-357-6675
Mon – Fri: 6 am – 10 pm
Sat: 8 am – 2 pm
Central Time

Home equity financing

Mon – Fri: 24 hours a day
Sat: 2 am – Sun: 1 am
Sun: 2 am – Midnight
Central Time

Home equity loan and line customer service

1-866-820-9199
Mon – Fri: 7 am – 7 pm
Sat – Sun: 8 am – 4:30 pm
Central Time

Equal Housing Lender

  • Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
  • FHA mortgage insurance
    Insurance provided by the FHA that protects approved lenders against loss if a borrower defaults on an FHA loan. The cost is typically paid by the borrower as upfront and monthly premiums. Amount and terms of insurance paid vary.

    Mortgage insurance
    Insurance that protects the lender against loss if a borrower defaults on a loan. Mortgage insurance is usually required if the down payment is less than 20% of the purchase price.

    VA funding fee
    You are typically required to pay a one-time funding fee on VA loans. This fee ranges from 0.5 to 3.30 percent, depending on your service type, prior use of VA eligibility, and type of loan transaction.

    © 1999 – 2016 Wells Fargo. All rights reserved. NMLSR ID 399801


    SunTrust Mortgage Review – Mortgage Bankers in Richmond, VA – BBB Business Review – BBB


    #sun trust mortgage

    #

    BBB Accreditation

    A BBB Accredited Business since

    BBB has determined that SunTrust Mortgage meets BBB accreditation standards. which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

    BBB accreditation does not mean that the business’ products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business’ product quality or competency in performing services.

    Reason for Rating

    Factors that raised the rating for SunTrust Mortgage include:

    • Length of time business has been operating
    • Response to 202 complaint(s) filed against business
    • Resolution of complaint(s) filed against business

    Industry Ratings Comparison | Chart

    Customer Complaints Summary Read complaint details

    202 complaints closed with BBB in last 3 years | 78 closed in last 12 months

    Government Actions

    United States of America v. SunTrust Mortgage Inc.
    Date of Action: 17.06.2014
    The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

    On June 17, 2014, the US Department of Justice and the Consumer Financial Protection Bureau filed a Consent Judgment in the United States District Court for the District of Columbia. SunTrust Mortgage has agreed to pay $550 million as part of a class action settlement. The action settles allegations that Suntrust Mortgage is in violation of federal law prohibiting misconduct in the servicing of mortgages. The matter was for settlement purposes only and should not be considered as an admission of guilt or finding of violation of the law. For more details go to http://files.consumerfinance.gov/f/201406_cfpb_consent-judgement_sun-trust.pdf .

    Advertising Review

    BBB has nothing to report concerning SunTrust Mortgage s advertising at this time.

    Additional Information

    BBB file opened: декабря 04, 2008 Business started: 12.08.1865 in VA Business incorporated 03.01.1927 in VA

    Licensing, Bonding or Registration

    This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

    These agencies may include:

    National Mortgage Licensing System

    Type of Entity
    Contact Information

    Direct mortgage lender for FHA, VA and HARP home loans – New American Funding #td


    #direct mortgage lenders

    #

    Simplify Your Home Loan with a Licensed Mortgage Lender

    Your home is your biggest investment. It’s important to work with the right mortgage company to protect that investment. When financing your home, you need an experienced, reputable company and an agent who gives you facts, not opinions. You need to find the right loan with a great rate, and you need to get it closed quickly. This is what New American Funding can offer you.

    Giving you added security

    As an FHA Direct Endorsement (DE) and Government Approved direct mortgage lender, we offer you the safety and security you’re looking for in home financing. We have helped thousands of customers buy a new home or refinance over the last decade, earning us an A rating with the Better Business Bureau.

    Taking out the middle man

    We’re a direct mortgage lender, not a broker. That means no middle man and no broker fees. We handle the entire loan process in-house from processing to underwriting and finally funding your loan.

    Finding the right loan for you

    Whether you’re buying a home or looking to refinance, we offer a variety of loan options, including FHA Home Loans, VA Loans, Fixed Rate and Adjustable Rate Mortgages, Conventional Loans, Jumbo Loans, Reverse Mortgages and more.

    Ask about our fast, on-time closings

    We are an all-inclusive mortgage banker. From origination to funding, our processors, underwriters and funders all work under one roof, creating a cohesive team that enables us to close loans fast.


    Get the FAQs on VA Home Loans #mortgage #rates #trend


    #can i get a home loan

    #

    Money

    Get the FAQs on VA Home Loans

    Why get a VA loan over other types?

    Simply put, a VA Home loan allows qualified buyers the opportunity to purchase a home with no down payment. Also, there are no monthly mortgage insurance premiums to pay, limitations on buyer’s closing costs, and an appraisal that informs the buyer of the property value. For most loans on new houses, construction is inspected at appropriate stages and a one year warranty is required from the builder. VA also performs personal loan servicing and offers financial counseling to help veterans having temporary financial difficulties.

    What if I’ve used a VA Home Loan Before?

    You can have previously-used entitlement restored one time only in order to purchase another home with a VA loan if the borrower has paid off the prior loan but still owns the property, and wants to use his entitlement to purchase a second home. This often occurs with active duty borrowers who PCS to a new station but want to keep their existing home for retirement. However, if the prior loan has been paid off and the property is no longer owned, they can have their entitlement restored as many times as they want. They can re-use their VA eligibility for every home purchase from the first to the last.

    Also, veterans who have used a VA loan before may still have remaining entitlement (see chart) to use for another VA loan. A veteran’s maximum entitlement is $89,912, and lenders will generally loan up to four times your available entitlement without a down payment, provided your income and credit qualifications are fine, and the property appraises for the asking price. Lenders may require that a combination of the guaranty entitlement and any cash down payment must equal at least 25 percent of the reasonable value or sales price of the property, whichever is less.

    *Lenders operate under their own regulations and guidelines in these matters

    For Alaska, Hawaii, Guam, and U.S. Virgin Islands residents, note that maximum original loan amounts have now been increased 50% higher for first mortgages.

    Remaining entitlement and restoration of entitlement is not automatic. It can be requested through the nearest VA office by completing VA Form 26-1880. The entitlement may also be restored one time only if the veteran has repaid the prior VA loan in full but has not disposed of the property purchased with the prior VA loan.

    What service is not eligible for a VA Home Loan?

    You are not eligible for VA financing solely based upon Active Duty for Training in the Reserves or National Guard.

    Note: Guard and Reservists are eligible if they were activated under the authority of title 10 U.S. Code as was the case for the Iraq/Afghanistan.

    Do all local lenders offer VA Loans?

    Not necessarily. Choose a VA-approved lending institution that can handle your home loan. A lender can help you review your credit history and determine how much of a loan you can qualify for. Be aware that different lenders have different closing costs and other fees, so it pays to shop around.

    What types of repayment options are available?

    The guarantees thirty-year loans with a choice of repayment plans: Traditional fixed payment (constant principal and interest); Graduated Payment Mortgage, or GPM (low initial payments which gradually rise to a level payment starting in the sixth year); and in some areas, Growing Equity Mortgages, or GEMs (gradually increasing payments with all of the increase applied to principal, resulting in an early payoff of the loan). There is no prepayment penalty.

    What is the maximum VA loan?

    Although there is no maximum VA loan (limited only by the reasonable value or the purchase price), lenders generally limit the maximum VA loan to $417,000.

    If I was discharged years ago and want to qualify for a VA loan, what forms or other documents will I need?

    Everyone is required to obtain a Certificate of Eligibility. If you do not have this Certificate, you will need to apply using VA Form 26-1880 and this will require a copy of DD-214 (Certificate of Release or Discharge from Active Duty) showing character of service. Along with the Certificate of Eligibility, loan applicants will need to document their credit, savings and employment information.

    Does a veteran’s home loan entitlement expire?

    No. Home loan entitlement is generally good until used if a person is on active duty. Once discharged or released from active duty before using an entitlement, a new determination of their eligibility must be made based on the length of service and the type of discharge received.

    Reservists are eligible for VA Loans, too. Who qualifies?

    Eligibility extends to members who have completed a total of 6 years in the Selected Reserves or National Guard (member of an active unit, attended required weekend drills and 2-week active duty for training) and received an honorable discharge; continue to serve in the Selected Reserves. Individuals who completed less than 6 years may be eligible if discharged for a service-connected disability. In addition, reservists and National Guard members who were activated on or after August 2, 1990, served at least 90 days and were discharged honorably are eligible.

    Can I build a home with a VA Home Loan?

    Yes. But there are several clauses that may make this difficult to accomplish. Many veterans use their VA Home Loan Certificate of Eligibility to negotiate in good faith a private home construction loan and then refinance the completed home using VA Home Loans.

    Download afree VA Loan Guidetoday.

    Can you take out a VA loan for a second home or vacation cabin?

    The law requires that you certify that you intend to occupy the property as your home. But it specifically provides that occupancy by the veteran’s spouse satisfies the personal occupancy requirement. However, there are no provisions for other family members. VA Home Loans are available for a variety of purposes including building, altering, or repairing a home; refinancing an existing home loan; buying a manufactured home with or without a lot; buying and improving a manufactured home lot; and installing a solar heating or cooling system or other weatherization improvements. You are also allowed to buy income property consisting of up to four units, provided you occupy one of the units.

    Can a veteran obtain a VA loan for the purchase of property in a foreign country?

    No. The property must be located in the United States, its territories, or possessions. The latter consist of Puerto Rico, Guam, Virgin Islands, American Samoa and Northern Mariana Islands.

    What is a VA-guaranteed manufactured home loan?

    A private lender makes a VA-guaranteed manufactured home loan. The VA will protect the lender against loss if the veteran or a later owner fails to repay the loan. The amount VA will guarantee is 40 percent of the loan amount or the veteran’s available entitlement, up to a maximum amount of $20,000. The guaranty amount is not the same as the amount a veteran can borrow.

    If a borrower has used a VA loan in the past, can that person be eligible again?

    Veterans who had a VA loan before may still have remaining entitlement to use for another VA loan. The current amount of entitlement available to each eligible veteran is $36,000. Veterans can have previously-used entitlement restored to purchase another home with a VA loan if: the property purchased with the prior VA loan has been sold and the loan paid in full, or if a qualified veteran buyer agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the veteran seller. The entitlement may also be restored one time only if the veteran has repaid the prior VA loan in full, but has not disposed of the property purchased with the prior VA loan.

    I am a Veteran who purchased a home with my spouse utilizing my VA eligibility. I am now divorced and my spouse was awarded the home. How do I get my eligibility back?

    When the property is awarded to the Veteran’s spouse as a result of the divorce, entitlement cannot be restored unless the spouse refinances the property and / or pays off the VA loan in full or the ex-spouse is a veteran who substitutes their entitlement.

    I heard the VA has an inventory of foreclosed homes. How can I find out more about this?

    The Department of Veterans Affairs (VA) acquires properties as a result of foreclosures on VA guaranteed loans. These acquired properties are marketed through a property management services contract with Ocwen Federal Bank FSB, West Palm Beach, Florida. Local listing agents through local Multi Listing Systems (MLS) list the properties. A list of properties for sale may also be obtained from Ocwen’s website at http://www.ocwen.com/ .

    NEXT STEP: Get started using your VA Home Loan, Download a free VA Loan Guide today.


    VA Loan Calculator: Monthly Payments with Taxes & Insurance #mortgage #options


    #mortgage loan calculator with taxes

    #

    Estimate your monthly VA Loan payment

    Calculator glossary

    Amount Financed
    Purchase Price (-) Down Payment (+) VA Funding Fee

    VA Funding Fee
    One time fee paid to the VA to fund the loan. Calculated by type of service, loan amount, amount down and subsequent VA Loan usage.

    Estimated Taxes Insurance
    Property Taxes are estimated at 1.2% of the home’s value. Annual homeowners insurance is roughly 0.35% of the home’s value but can vary based on insurer.

    Notice:
    This VA Home Loan calculator provides a broad estimate of your monthly mortgage payments. More deductions may be available to you.

    Please note, this information is for your educational use only and rates and terms are subject to the policies of a lender.

    This is a McAfee Secure site, your data is protected with 128-bit SSL encryption upon submission.

    How the VA Loan Calculator Works

    Our VA Loan Calculator gives you the opportunity to quickly and easily calculate your monthly payment for different loan amounts and home values. The calculator also determines your VA Funding Fee and factors that into your payment estimate.

    VA Funding Fee Explained

    The VA Funding Fee is paid directly to the Department of Veteran’s Affairs and is the reason they can guarantee this no-money-down loan program. The Funding Fee is automatically financed in your VA Loan and calculated into your payments. The amount of the Funding Fee is determined by 4 factors:

    • loan amount,
    • type of service,
    • down payment (if any),
    • and whether or not you have used your VA Loan in the past.

    First-Time Use

    Active Duty / Retired

    No Down Payment Necessary

    The VA Loan requires no down payment, making it the most popular choice for loan programs among our Nation’s past and present Military.

    Term of Loan

    VA Home Loans are available in 15- and 30-year terms. The most popular term for a VA Home Loan is 30-years because it lowers the payments substantially. The 15 year loan comes with a higher monthly payment, but also less interest paid out over the life of the loan.

    Veterans United has financed more than $5 billion in VA home loans in the last year, making it a leader in the VA Loan industry.

    VA Loan Experts

    Industry-leading experts with extensive training on VA eligibility and the VA Loan process

    Endorsed by Military Leaders

    Partners with the top senior enlisted leaders of each branch of the military to raise awareness of VA Loan benefits

    Get to Closing Quicker

    In-house underwriters, processors and closers utilize state-of-the-art tracking technology that ensures fast turnarounds

    VA Approved Lender

    A+ Rating with the Better Business Bureau

    2013 Winner of the Better Business Bureau Torch Awards for Ethics

    Featured In

    • Chicago Tribune
    • Los Angeles Times
    • Yahoo! Finance
    • US News
    • CNN Money
    • The New York Times
    • Inc. 500

    Copyright © 2016 Mortgage Research Center, LLC. All Rights Reserved.

    A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency. We may share customer information with our trusted affiliates to assist you with your VA Loan. Customers with questions regarding our loan officers and their licensing may visit the Nationwide Mortgage Licensing System Directory for more information. Equal Housing Lender.

    1400 Veterans United Drive. Columbia. MO 65203 | NMLS ID #1907 (www.nmlsconsumeraccess.org )


    First Choice Chiropractic, Llc – Richmond, VA, first choice chiropractic richmond va.#First #choice #chiropractic #richmond


    #

    First Choice Chiropractic, Llc

    First Choice Chiropractic, Llc is listed as a health care organization in Richmond, VA with Chiropractor listed as their primary specialization. Their office phone number, address, ratings, provider comparisons, county health rankings, and specializations can be viewed below.

    RICHMOND, VA 23229-4658

    First choice chiropractic richmond va

    First choice chiropractic richmond vaGet Directions

    First choice chiropractic richmond va804-592-9862

    First choice chiropractic richmond va

    Driving Directions and Map

    Looking for mobile or regular driving directions to the office for First Choice Chiropractic, Llc?

    Education, Experience, and Specialization(s)

    Client / Patient Ratings for First Choice Chiropractic, Llc

    Are you a patient of First Choice Chiropractic, Llc or familiar with their services? Please consider filling out the ratings survey below to help prospective patients make an informed decision.

    Additional Information for First Choice Chiropractic, Llc

    A provider qualified by a Doctor of Chiropractic (D.C.), licensed by the State and who practices chiropractic medicine -that discipline within the healing arts which deals with the nervous system and its relationship to the spinal column and its.

    (NPI Final Rule [PDF] from HHS and the Centers for Medicare Medicaid Services)

    There are 6 additional listings for this city.

    (such as website, office hours, insurance accepted, appointment scheduling etc.)

    Compare First Choice Chiropractic, Llc

    The following are a few ways you can compare nearby doctors and health care providers to find the right match for your care needs. You may also be interested in trying a new Search.

    Thank you for taking the time to visit us!

    View Similar Profiles in Richmond

    The doctors and health care providers below offer similar services as First Choice Chiropractic, Llc in Richmond. Profiles may also include costs for specific services and procedures, common referrals, ratings, and reviews.


    Raul Novo – Criminal Defense & DUI Lawyer in Richmond, Virginia #criminal #defense #attorney #richmond


    #

    Raul Novo is a savvy and passionate lawyer who specializes in criminal defense. Whereas many lawyers work in a variety of different areas of the law such as divorce and civil litigation, Raul dedicates himself 100% to criminal defense cases. Raul has a tremendous amount of courtroom experience and focuses his efforts representing clients who are facing drug charges, DUI arrests, and other criminal violations of the law. Raul has a vast amount of experience in both federal court and local courts. Raul has fought for his clients in jury trials and bench trials in the cities and counties around the Richmond area such as Chesterfield, Dinwiddie, Hanover, Henrico, Hopewell, and Sussex County.

    Soulmaz Taghavi is an educated and experienced lawyer who specializes in criminal defense and immigration law. In fact, Soulmaz was born to parents who emigrated from Iran to the United States in the 1980’s. Soulmaz has always excelled in academics. Soulmaz obtained her Bachelor of the Arts degree in International Relations at Virginia Commonwealth University, her Masters of Arts degree in Middle Eastern Studies at the University of Virginia, and obtained her Juris Doctor degree at North Carolina Central University’s School of Law. Soulmaz graduated with Cum Laude honors at all three universities. During law school, Soulmaz was a legal intern at Velasquez and Associates in Durham, NC. In addition, Soulmaz was a legal intern in the Durham District Attorney’s Off of the 14th District. Later, Soulmaz was a clerk at the Superior Court of the District of Columbia in Washington D.C. and also at the Brenan Law Firm in Chapel Hill, NC. After law school, Soulmaz became an associate attorney with Fayad Law in Richmond, VA. Since becoming a lawyer in 2014, Soulmaz has successfully handled a variety of criminal and immigration cases. Soulmaz is multilingual and can fluently speak Persian and Dari. Soulmaz is also proficient in Arabic.

    • 1500 Forest Ave. Ste. 124
    • Richmond, VA 23229
    • Fax: 804-528-4142

    Top Architect Schools and Colleges in the U #colleges #near #blacksburg #va, #top #architect #schools


    #

    Top Architect Schools and Colleges in the U.S.

    • Architectural History
    • Architectural Technology
    • Environmental Design
    • Interior Architecture
    • Landscape Architecture
    • Urban and Regional Planning

    School Overviews

    Harvard University and Cornell University are not only highly-ranked, Ivy League schools, but are also at the top of the field when it comes to architecture programs. Universities typically offer architecture degree programs at two levels. The undergraduate (B.Arch.) degree typically takes five years to complete, while the Master of Architecture (M.Arch.) can take 1-5 years, depending on a student’s previous experience and training. Cornell offers a highly-ranked B.Arch program, while Harvard offers a few M.Arch options.

    1. Cornell University in Ithaca, NY

    School Highlight: This university’s architecture department offers three undergraduate degrees and 13 graduate degrees.

    Each year, the department serves approximately 800 students and employs 56 faculty members. The 5-year program produces 50-60 graduates each year. Of the three undergraduate degrees offered, there is the Bachelor of Architecture and the Bachelor of Science in urban and regional studies. Of the multitude of graduate degrees, there are the Ph.D. programs in city and regional planning and history of architecture and urban development. Master degrees are available in Architecture, Regional Planning, and Landscape Architecture. Students enrolled in the Architecture Bachelor program eventually spend a semester in Rome.

    2. Harvard University in Cambridge, MA

    School Highlight: Students enrolled in the Department of Architecture in the Graduate School of Design benefit from a diverse faculty and visiting theorists in the field of architecture from all over the world.

    The architecture school offers two levels of the Master of Architecture: M.Arch. I and M.Arch. II. The former is a professional degree for individuals possessing a bachelor’s degree in a subject other than architecture, while the latter is for those with a B.Arch. Architecture, Urban Planning, Design and Landscape Architecture departments work cooperatively to provide comprehensive lessons; students are also exposed to additional resources through partnership with MIT.

    Top Architecture Schools


    Virginia Marijuana Possession Laws – VA Marijuana Charge Penalties – Virginia Pot Lawyer #virginia, #va,


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    Marijuana Drug Possession Charge in Virginia?

    Protect your Rights and Freedom to Drive!

    You can lose your license with a conviction for simple marijuana possession. So it is critical to get started right away to preserve all options in your defense. All drug possession charges in Virginia can be serious even a simple pot possession charge. Talking to an experienced lawyer right away can help you avoid the most severe penalties.

    Marijuana Possession Penalties

    Simple possession of marijuana is a misdemeanor (unclassified), with a maximum penalty or 30 days in jail, and a $500 fine for a first offense.

    For a second (2nd) offense, the maximum penalty increases to 12 months in jail. It is a Class 1 misdemeanor.

    As with any drug charge, conviction, or plea, you are at risk of having your license suspended if you are found guilty.

    Marijuana is classified as a Schedule I drug under federal guidelines, which means it has a high potential for abuse and no legitimate medical use . But it is in a unique class among schedule 1 drugs and has it s own penalty structure under Virginia Law. (Ref: § 18.2-250.1. Possession of marijuana, unlawful)

    Can I Beat a Marijuana Possession Case?

    Yes, in many cases you can. There are a number of ways to challenge and beat a marijuana possession charge. Typically, I may file a motion to suppress if I can argue illegal search and seizure. I can also challenge the prosecution to prove the drugs were legitimately in your control or on your property or person.

    Even if the facts are sufficient to find you guilty, I can help negotiate down sentencing and make the process as painless as possible for you.

    I ve defended hundreds of similar cases, and I ve been able to save my clients from severe penalties countless times. Don t give up hope, even if you think you are guilty. Give me a call I ll listen to your case, review the evidence, and let you know what I would do to fight it, and what I think your chances are.

    Virginia Marijuana Distribution Charge?

    Free Consultation on a Marijuana Possession Charge in Virginia

    If you are facing a marijuana/pot or other drug charge in Virginia, you will benefit by speaking to an experienced criminal defense attorney right away. Call me now to schedule your no-obligation, no-risk, free consultation at (877) 439-2999. I ll talk to you about your case, let you know what you are facing, and let you know exactly what I can do to help.

    The Attorneys of VaCriminalDefenseLawyer.com

    Related Law References:

    § 18.2-255.1. Distribution, sale or display of printed material advertising instruments for use in administering marijuana or controlled substances to minors; penalty Marijuana magazines/advertisement Class 1 Misdemeanor

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