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Black Prince

Robert
Standard Member
Last active: 6 months ago

51 Summerville, South Carolina, United States

Male / Separated / ID: 5182863

Seeking Female 28 - 47 For: Long Term Relationship

Last active: 6 months ago

Overview

Robert

He's Looking For

Education:

Vocational College
Any

Have children:

Yes - don't live at home
Any

Drink:

Occasionally drink
Any

Smoke:

Don't smoke
Any

Religion:

Christian
Any

Occupation:

Retired
Any

Member Overview

My came Robert, I am straight heterosexual, Black, Hispanic and Georgian, Armenian and Persia Jewish Yezidi Gypsies originally I am Veteran let show what I can do for you and me with my Benefits VA Loan he VA home loan program is more important today than ever before and is one of the most powe...
My came Robert, I am straight heterosexual, Black, Hispanic and Georgian, Armenian and Persia Jewish Yezidi Gypsies originally I am Veteran let show what I can do for you and me with my Benefits VA Loan he VA home loan program is more important today than ever before and is one of the most powerful loan options on the market for active military and veterans. It's increasingly difficult for many military borrowers to build the credit and assets necessary to move forward with conventional home financing. The VA loan program's advantages over other loan types are a big reason why VA loan volume has continually grown over the last five years. VA financing comes with significant financial benefits for those who've served our country, and the requirements to secure them are often looser than what veterans would need for a conventional or even FHA loan. For a lot of active military and veterans, the VA home loan program is their only real path to homeownership. The increasing popularity has stemmed from the main benefits of VA loans. Let's take a deeper look at the eight biggest benefits of VA mortgages: 1: No Down Payment Qualified veterans can obtain a VA loan without making any down payment. Compared to conventional and FHA loans, this translates into significant monthly savings. The minimum down payment amount on a FHA loan is 3.5 percent; for conventional financing, it's often 5 percent. On a $250,000 mortgage, a military borrower would need to come up with $8,700 in cash for an FHA loan and $12,500 for the conventional loan. Those are significant, often insurmountable sums for the average military borrower. In fact, the average VA borrower has just under $9,000 in total assets. The amazing benefit of being able to purchase with $0 down helps veterans and active military members get a slice of the American Dream without having to spend years scraping and saving for a sizable down payment. That means those who serve our country can get into homes in the present, not years down the road. » MORE: Check VA loan eligibility 2: No Mortgage Insurance Unlike conventional and FHA loans, a VA loan doesn't require monthly mortgage insurance. FHA loans come with both upfront and annual mortgage insurance charges. On a $250,000 mortgage, FHA's annual mortgage insurance can add about $170 per month to your mortgage insurance. For comparison, veterans who secured a VA loan last year will save more than $40 billion in private mortgage insurance costs over the life of their loans, according to VA estimates. Conventional borrowers who can't put down 20 percent typically have to pay for private mortgage insurance. This is an additional monthly fee that's tacked on to your monthly mortgage payment until you build 20 percent equity. The cost will vary by loan amount and other factors, but it's not uncommon to pay more than $100 per month for PMI. 3: Competitive Interest Rates Since the VA guarantees a portion of every VA loan, financial institutions can offer lower interest rates to VA borrowers that are typically 0.5 to 1 percent lower than conventional interest rates. Rates are based on the inherit risk assumed by the lender to finance the loan. The VA's guarantee provides lenders with a sense of security that allows them to charge competitively lower rates. On a 30-year $250,000 loan, the difference between paying a 4 percent and 4.75 percent rate can mean approximately $40,000 in savings over the life of the loan. » MORE: See what rate you may qualify for today 4: Relaxed Credit Requirements Since the Department of Veterans Affairs only oversees the loan program and does not issue loans, the agency does not set or enforce credit score minimums. However, most VA lenders use credit score benchmarks to judge a borrower's risk of default and typically look for a credit score of at least 660. For a conventional loan, veterans will often need to meet a higher benchmark. The average conventional buyer had a FICO score about 50 points higher than the average VA buyer in 2016. Veterans don't need anything near perfect credit to secure home financing at competitive interest rates despite the relaxed credit score requirements. VA loans are also more forgiving when it comes to bouncing back after a bankruptcy, foreclosure or short sale. 5: Closing Cost Limits All mortgages come with fees and closing costs. But the VA actually limits what veterans can be charged when it comes to these expenses. Some costs and fees must be covered by other parties in the transaction. These safeguards help make homeownership affordable for qualified homebuyers. VA borrowers can also ask a seller to pay all of their loan-related closing costs and up to 4 percent in concessions, which can cover things like prepaid taxes and insurance, paying off collections and judgments and more. There's no guarantee the seller will agree to that request, but veterans can certainly ask during the negotiation process. » VA Loans: Get preapproved online 6: Lifetime Benefit One of the most common misconceptions about the VA mortgage program is that it's a one-time benefit. In fact, those who've earned it can use this program over and over again throughout their life. And unlike what you may have heard, you don't necessarily have to pay back your VA loan in full to get another one. A case in point is a veteran who defaults on a VA loan (see Benefit 8 below). It's even possible to have more than one VA loan at the same time. So please don't let anyone tell you that using your home loan benefit decades ago means you're no longer eligible. 7: No Pre-payment Penalties Many people realize how much money they can save by paying off their loan early, but are often forced to pay prepayment penalties if they wish to do so. Prepayment penalties were created to protect lenders and investors from the financial loss of losing years and years of interest payments on issued loans. Fortunately for VA borrowers, you can pay off your VA loan early with no fear of getting hit with any prepayment penalty. 8: Foreclosure Avoidance VA loan have been the safest loan on the market for most of the last eight years. That's pretty remarkable considering that about 8 in 10 homebuyers don't put any money down. The VA mortgage program has emerged as a safe harbor for several reasons, including the VA's residual income guidelines. The VA itself has also done a tremendous job advocating for veterans in jeopardy and working to ensure they stay in their homes. Those efforts have helped more than 500,000 veterans avoid foreclosure since the housing crisis. The VA guaranty program isn't just about getting veterans into homes. It's also focused on helping veterans keep them. I have the Disable Veteran Small Business Loan Service-Disabled Veteran-Owned Small Businesses program The federal government's goal is to award at least three percent of all federal contracting dollars to service-disabled veteran-owned small businesses each year. Content Program benefits Disabled veterans’ business program qualifications Represent yourself as a disabled veteran-owned business Program benefits The government limits competition for certain contracts to businesses that participate in the Service-Disabled Veteran-Owned Small Business program. Joining the disabled veterans’ business program makes your business eligible to compete for the program’s set-aside contracts. You can still compete for contract awards under other socio-economic programs you qualify for. Disabled veterans’ business program qualifications To qualify for the disabled veterans’ business program, your business must: Be a small business Be at least 51% owned and controlled by one or more service-disabled veterans Have one or more service-disabled veterans manage day-to-day operations and also make long-term decisions Eligible veterans must have a service-connected disability You can view the full eligibility requirements in Title 13 Part 125 Subpart B of the Code of Federal Regulations (CFR). Represent yourself as a disabled veteran-owned business You can self-represent your business to the federal government as being owned by a service-disabled veteran. Simply update the socio-economic status section of your business profile at SAM.gov. The Department of Veterans Affairs, which awards a large amount of contracts to veterans, sets aside contracts for veterans through their Veterans First Contracting Program. Their program is not the same as the SBA’s program. To get access to set-aside Veterans Affairs contracts, your business must be verified through the Vets First Verification Program.
more

Seeking

Well Education, Wealthy Chinese Women. Unbasis and will to located to Midwest.
Well Education, Wealthy Chinese Women. Unbasis and will to located to Midwest.

More About Me

Robert

He's Looking For

Basic

Gender:
Male
Female
Age:
For privacy reasons, age is accurate to within 2 weeks
51
28 - 47
Lives in:
Summerville, South Carolina, United States
Any
Relocate:
Willing to relocate within my country
Any

Appearance

Hair color:
Bald / Shaved
Any
Eye color:
Brown
Any
Height:
5'7" (171 cm)
Any
Weight:
82 kg (180 lb)
Any
Body style:
Few Extra Pounds
Any
Ethnicity:
Mixed
Any
Body art:
None
Any
Appearance:
Attractive
Any

Lifestyle

Drink:
Occasionally drink
Any
Smoke:
Don't smoke
Any
Marital Status:
Separated
Any
Have children:
Yes - don't live at home
Any
Number of children:
2
Any
Oldest child:
Older than 18
Any
Youngest child:
17
Any
Want (more) children:
Not Sure
Any
Have pets:
No Pets
Any
Occupation:
Retired
Any
Employment status:
Retired
Any
Annual income:
$60,001 - $120,000 (USD)
Any
Living situation:
Prefer not to say
Any

Background / Cultural Values

Nationality:
United States
Any
Education:
Vocational College
Any
Languages spoken:
English
Any
English ability:
Very Good
Any
Indonesian ability:
None
Any
Religion:
Christian
Any
Chinese sign:
Rooster
Any
Star sign:
Virgo
Any

Hobbies & Interests

Entertainment:

Computers / Internet, Cooking / Food and Wine, Traveling, TV: Entertainment

Food:

Middle Eastern, Seafood, Cajun / Southern, Greek, Soul Food, Indian, Caribbean/Cuban, Italian, Chinese / Dim Sum, Mexican

Music:

Country / Folk, Pop, Reggae, R'n'B / Hip Hop, Soft Rock, World

Sport:

Baseball / Softball, Biking, Fishing, Golf, Gymnastics, Martial Arts, Soccer, Swimming, Walking

More About Me

Favorite Movie:

Crazy Rich Asian, Harold and Kumar, and The Sitter, Scarface, Goodfellas, Bad Boyz I and II,

Favorite Book:

My Country vs Me Wen Ho Lee, The Sicily Mario Puzo and

Favorite Food:

All kind form Asian, Soul Food, Creole and Indian, I was in Chef School for year and I was offer a full Scholarship to Johnson and Whales Master Chef program, however I have to turn to in to get my Military Service Connection Retirement.

Favorite Music:

80ths and 90ths Rock and R&B, Country. Like Kieth Urban, Justine Beiber and Dan and Shay and Chris Stapleton, and some Hip Hop

Dress Style:

Attractive but causal

Humor:

Happy Go lucky Kid, love smile, get up positive in the morning and love to laugh.

Hobbies & Interests:

Singing, I can everything form Miguel, Bruno, George Michael, Steve Perry, Peter Farmpton, Chicago Peter Cetera, Hall and Oats, Robin Thicke and Stevie Wonder.

Travelled:

Saudi Arabia, Ireland, Barbados, Suriname, Curasao and Trindad & Tabago

Cultural Adaption:

yes, Indo-Carribean, my first wife was and my second is Filippino and I consider myself and mixed or Black Asian American genetically My is B blood and I am B CdE rh negative most of genes are Asian or Eurasian. and my brother is also married Vietnamese-Chinese.

Romance:

in Chinatown in Chicago, going shopping for food and vegetable and meat to cook later at home and watching movie later on at night and clunk, clunk, clunk late at night lol

Personality:

Positive, warm and accepting but can be firm but fair.

My Perfect Match is:

Family Oriented and love and carring.

Safety Tip - Beware of fake photos

Some scammers from Ghana, Nigeria, Russia or other countries will email or share fake photos with you. Always request as many photos of the person as possible and try to receive photos in many different situations such as at home, at work, at events, with other people etc. Most scammers will send only a small number of photos and usually photos that are not in a group setting. It is very important to also verify the appearance of the person by chatting on webcam.