For The Veterans

I’ve been meaning to write this particular post for a while now. But as often happens, other things kept getting pushed to the top of the priority list. Just a couple of nights ago though I saw on the news where a homeless Vietnam Veteran had died in a hospital in Arizona. The hospital reached out to try and find the next of kin or really anyone that knew him. Eventually they found his sister. The two siblings hadn’t talked in years and it made me very sad. But the real news story was not so much about this veteran tragically dying alone, but about the hundreds of other veterans that came to his funeral. Complete strangers that came to pay their respects to a man they had never met. I was humbled. And so with gratitude to all veterans, I write this post in hopes that those veterans in York County, SC find it useful.


Being a veteran entitles you to some major benefits such as education, healthcare, job training and housing to list just a few. As the spouse of a veteran and a Realtor® I am a bit familiar with the process. In fact, my hubby and I even purchased our house using his VA loan benefit.


So, what is a VA loan? Basically, it’s a government guarantee to a private sector bank. Since 1944, the Federal Government has been approving companies to fund VA loans. In other words, the bank loans you the money according to VA standards and the government then promises the bank they will get their money back. If a VA-guaranteed loan becomes delinquent, VA will work with you to avoid foreclosure. Veterans can use the loan to buy homes, condos or manufactured homes. You can build a home or repair, alter or improve an existing home. Veterans can also refinance an existing home to reduce interest rates or to “cash out” and take advantage of the equity in the home.


Why would you want a VA loan? The benefits are great! There is usually $0 down payment. Loans up to $424,000 can be guaranteed. No private mortgage insurance is required (which lowers your monthly payment), the interest rates are very competitive and there is no prepayment penalty. Your eligibility never expires and is reusable for every house you buy. However, after the first use of your VA loan benefit there will be funding fees for future loans taken. Even still, it can be a great way to finance your home.


To qualify veterans need to have served 90+ days on active duty during wartime or 181+ days on active duty during peacetime. National Guard and Reserve members may qualify with 6+ years of service. Surviving spouses of those that died during service or because of service related injuries and haven’t remarried can also qualify. Just like any other loan qualification, you’ll need to provide adequate credit scores, proof of income and debt to income ratios must be within VA standards. You may also need to provide other documents such as tax returns, savings account statements and/or 401K account statements. Specifically for a VA loan, you’ll need your DD-214 form and a valid Certificate of Eligibility (COE). A COE can be obtained through, your lender, or the Atlanta Eligibility Center.


There are also special housing programs for Veterans with Disabilities. Grants can be made for those veterans to make their homes wheelchair accessible, to enhance their mobility around the home and to homes of family members where they temporarily reside.


The Veterans Affairs Office in York County provides assistance to veterans, their survivors and dependents, assisting with claims for benefits. This office interviews clients and assesses their needs and eligibility for other services as well, such as healthcare, education, burial benefits, etc. The York County also assists in providing transportation to the VA Medical Center in Columbia and acts as a liaison with colleges, VA medical centers, clinics and other agencies administering VA benefits.


For your information, I’ve listed York County Veteran Affairs Office locations and phone numbers below. The Veteran Affairs Office should be your very first call if you are in need of services. In addition, there are several other resources listed that you might find helpful. And of course, please let me know if I can help you with any real estate needs. Lastly, I just want to thank you for your service. You have my upmost gratitude!


Rock Hill Veterans Affairs Location
529 South Cherry Rd
Rock Hill, SC 29730
(803) 909-7525


York Veterans Affairs Location
6 S. Congress Street
York, SC 29745
(803) 684-8529


Rock Hill Community Based Out Patient Clinic
2670 Mills Park Dr.
Rock Hill, SC 29732
(803) 366-4848


York County Homeless TaskForce
529 Cherry Rd S
Rock Hill, SC 29730



Frank Roach Post 34
524 Heckle Blvd
Rock Hill, SC 29730


Meech Stewart, SC Post 66
918 W. Liberty St.
York, SC 29745


Clover, Inc., SC Post 38
PO Box 206
Clover, SC 29710


Eli Bailes, Inc., SC Post 43
427 Banks St
Fort Mill, SC 29715


Indian Land, SC Post 250
3021 Frost Meadow Way
Indian Land, SC 29707

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