History of the Wedding Dress Part 2

Prior to new medicine, a long and healthy life was not really that easy to attain, but other people attempted to make sure that they had outstanding chance for success by following superstition. Many superstitions grew over the years around weddings, to bring about the brides happiness in her new house and of course to guarantee her fertility. The colour of the wedding gown was believed fashionably to bring luck to the couple.

White, or a form of white, was, after all always the favourite and symbolised a woman’s virginity and virtue in the face of her imminent change of circumstances. White, though, was not always the favourite choice and was considered not practical for most purposes. Blue (worn by a bride in 1870, whose wedding dress is displayed in the London Museum), with its connection to the Virgin Mary, represented a robust image of purity, which, by tradition symbolised faithfulness and never-ending love (this gave rise to the reason that sapphires were used in engagement earrings). Brides, who wore blue at their wedding, believed that their husbands would be faithful to them, so even when the wedding dress was not blue, they would ensure that they wore something blue on their wedding day. This is where the tradition that has survived to present day, came from.

Another popular colour was pink; this was considered very appropriate for a May wedding. Pink flatters most complexions and is associated with the bride’s girlhood, but a few superstitions said it to be unlucky, as the quote state “Marry in pink and your fortunes will sink”! Mrs Joseph Nollekens was very much considered fashionable in 1772 in her saque gown made from brocaded white silk embellished with delicate crimson flowers. She also wore shoes made from the similar material, which had heels of three and a half inches (approx. 8cm). Deeper shades of red were unquestionably taboo by the Victorian era, with the reference to scarlet ladies and hussies.

One of the most unpopular shades was green. This was thought to be the colour of the fairies, and it was considered bad luck to call the attention of the little people to oneself through a time of change. Green was also linked with the lushness of verdant foliage and it was believed that it could cause rain to spoil the wedding day.

Reminiscent of the days of homemade clothing, any natural hue of brown or beige was once considered very bucolic. And the saying is “Marry in brown you will live out of town” and implied that you are going to be country bumpkin and that you would never be able to do well in the city.

The intense shades of yellow have varied in popularity. During the eighteenth century it was considered THE fashionable colour for a short time and many would wear it for their wedding day, like a bride of around 1774 whose wedding dress is in the Gallery of English Costume in Manchester. However prior to this time yellow had been related to heathens and non Christians and would not be worn in church as it was considered an unholy colour!

A very common colour wedding dress, for brides from lower class families, was grey, mainly because it was a very useful colour that could easily be re-used as Sunday best, being considered extremely well thought-of. Mary Brownfield chose grey twilled silk as suitable, as a maiden woman of 32 years at the time of her marriage in 1842. Grey was associated with women in domestic services during Victorian times, and they would frequently be supplied with a brand new gray dress once every 12 months by their employer. The deeper shade of gray or black was banned, as it was linked with mourning and of course death. As a matter of fact it was once seen as such a loathsome harbinger of bad luck, that in a few places even the wedding guests were not allowed to wear it. A recent widow would adjust her mourning dress for a red gown for the wedding day, to protect the bride. At the same time this deepened the aversion towards red, which was once considered as bridal mourning.

For the brides who were compelled by personal economics into wearing a dress which would soon become their every day wear, would embellish it for their wedding day with temporary decorations. In fact up until the nineteenth century, ribbons were tied into bows or “love knots” and loosely affixed to the wedding dress. “Bride Laces” as they were called would be pulled off by the wedding guests during the wedding reception, and would be kept as wedding ceremony favours, or souvenirs. This practice steadily died out and was replaced with flowers instead. Guests could be given floral button-holes to put on, and the bride may wear flowers in her hair either as a corsage or garlanded around her Wedding Dress, otherwise she can carry them as a bouquet. Myrtle and Rosemary were two of the early favourites. Orange blossom became fashionable in the 1830s. This practice has, in fact, remains to present day – Regardless of how simply dressed; many brides will have included a flower or two somewhere within their outfit! Charlotte Pennell married George Hill in 1910, when she was nearing 40 and never had any intention of wearing a “once only” dress. However she did embellish her fashionable attire with a posy of flowers in her hat and had a matching bouquet.

The “conventional” wedding attire as we now know it now first appeared in the latter part of the eighteenth century. With the beginning of mechanically made fabrics and inexpensive muslins being imported from India and with styles inspired by the classical world, by eighteen hundred a white wedding gown with a veil was fashionable choice. As was usual with fashion, it started in London and soon extended to other cities and eventually to the country villages. This new fashion was given the royal approval when Princess Charlotte wore this style of attire at her marriage to Prince Leopold of Saxe-Coburg in 1816. Queen Victoria in 1840 selected Honiton lace and white silk for her wedding which made it the fashionable rule. Also setting new fashion, the Queen was to be one of the first royal brides to have had bridesmaids carry her train.

Even a bride in the nineteenth century, who decided to wear a white wedding dress, would have expected to wear her dress again. For the season of “bride visits” she would visit close family and friends and as a newly married woman, she would wear her wedding dress, with the decorative flowers and train removed. A more affluent bride might then modify the bodice of the outfit (frequently made independently) and re-trim it for evening attire or for any other occasion. Queen Victoria herself took off the lace overskirt from her dress and regularly used it again, she was to wear it over a black silk gown for her Diamond Jubilee festivities over 50 years later.

Up until the Nineteen Twenties wedding gowns were always in fashion, just more elaborately embellished than standard and maybe slightly more modest than the most daring fashion. During the 20’s however, there was a complete revolution in all women’s clothing, where skirt hemlines rose from just above the shoe to well above the knee. To begin with wedding dress styles followed and brides would show their ankles; however as skirts grew ever more shortened, it seemed that some felt that it was not suitable for services in church and most brides gave preference to full-length wedding dresses. This choice of either following the seasonal fashion or reverting to a full length wedding dress and train led to the devolvement of completely separate style during the twentieth century which would sometimes echo but more often diverge from mainstream fashion (like the Vionnet couture design of 1926).

This change was magnified by the interruption caused by the Second World War due to clothing being rationed, uniforms were everywhere, and light-heartedness was looked down on. At the end of the war, fashion returned and brides were evermore keen to wear long wedding dresses made from sumptuous fabrics for their wedding day. This trend took place irrespective of the growing popularity of casual wear, easy wear apparel and trousers for women. As fashion has developed into a more at ease and sporty attire, wedding fashions have deviated further, so much so, that although each decade’s brides can be easily distinguished through the fashion then in vogue, it is not because of the fact that that the fashion’s resemblance to typical fashion.

Home Furniture Store – Launch New Range of Modern American Furniture

In this high tech modern lifestyle where everything is automated for easier access why would the furniture world be left behind in serving their customers with quality home and office which provides comforts at its best? Keeping in mind the needs of the customers and aiming at providing them with designs which are chic, comfortable and affordable, the new range of modern American Furniture for home and home office has been launched. With the evolution in lifestyles we follow today, the top manufacturers, understanding the modern needs of every house owners, have come up with modern styles and designs which can offer the customers anything within their budget.

When we are to set up a new home we definitely want to make it special. A lot of efforts go in buying a new home and it demands even more efforts later while settling in. When we talk about buying our basic needs for the house we first think of modern furnishings. Quality is not difficult to be found in stores. But they are restricted to particular style and design and fail to offer all options which are actually available online.

Online store offer liable service to the buyers at the best bargain. They offer different products for dining room, living room, home office and varieties in entertainment furniture as well. For home office it includes modular office sets, home library walls, computer desks, etc. American fixtures designs are more flexible compared to formal and traditional structures which can get difficult to manage and also maintain. The modern American fixtures are designed keeping the modern needs of owners who are looking at products which serve it purpose without demanding much attention on the maintenance and investment part.

Moreover, American people need attractive and very impressive designs. Because the designs do not consume much of the living space of the room and yet serve its purpose well. They are good decorative items and are multipurpose in nature. A wall unit includes wall, TV cabinet, storage space for home accessories and as the wall units covers the entire wall they come in beautiful crafted designs.

The greatest advantage of buying such important piece of fixtures from online home furniture store is that you get a vast range of varieties to choose from. In general stores you may find ten items under the same category, where as in online stores you can get hundreds under the same. This includes different styles, designs, size, color, patterns and also price range. Online furniture stores offer best quality home furniture at lower rates than the original price. Be it a dining room or home office, you are sure to find everything u desire for well within your budget from well known brands who offer high quality also.

Why Phoenix Real Estate is a Good Choice

For those who are relocating to Phoenix, Arizona or current residents who may be looking for a new home, the best choice is to use a reputable Phoenix real estate agency to help you find one of the Phoenix homes for sale. Attempting to locate Phoenix homes for sale without using a Phoenix real estate agency can be a frustrating and lengthy process because of all the Phoenix homes that are available on the market at any given time. One of the best reasons to contract with a Phoenix real estate agency is to make it easy for buyers to find Phoenix AZ real estate and for sellers to connect with buyers who are looking for real estate in Phoenix, Arizona.

Although it is possible to find some properties that are available directly from the sellers, most Phoenix real estate is listed with an agency in order to make the process flow smoother and to allow buyers to have access to a larger network of Phoenix homes for sale. Working with a Phoenix, Arizona real estate agent can help a seller with presenting his home to the largest community of buyers. Although newspaper advertising may work for some things a person sells, it is much more practical to sell your home through a realtor.

For the seller utilizing the services of a Phoenix, Arizona real estate agency means he does not have to do any advertising, be responsible for showing the home, or negotiating the price of the home. In fact, most real estate agencies prefer the seller to leave the home when they are selling in order to prevent the seller from providing any negative feedback to the potential buyer. Leaving everything up to a Phoenix real estate agency takes the responsibility of presenting the property from the seller to the real estate agent who is more experienced in how to secure the sale of Phoenix homes.

One of the most important things is for a buyer to work with his own Phoenix real estate instead of using the services of the listing agent. This protects the buyer because the listing agent is working in the best interest of the seller rather than the buyer. It is essential for the buyer to have someone who does not have a vested interest in the seller and therefore will work with a buyer to help him or her find the property they want. Realtors work from both the seller’s and the buyer’s angle which is why it is essential for a buyer to secure his own real estate agent and settlement attorney. Buying a home is the biggest investment you will make, and you want to be sure the transaction proceeds smoothly and there are no problems that may develop after the sale is closed.

Pointy Toe Kitten Heels – This Season's Choice to Show Fashion Style and Sexiness

No women can escape the temptation of high heels. Though wearing this kind of footwear means the endless pains in feet at the end of the day, most women still prefer to suffer the pains rather than throw away these feet killing shoes. One biggest reason why women are so obsessed with the heels is that this kind of footwear can greatly boost women’s feminine charm and add extra sexiness to their style. However, with the comeback of kitten heels, especially the pointed-toe style, there is an opportunity for women to avoid the pains but still obtain the sexiness and style that they always lust for.

Usually, kitten heels feature the slender low heels from 1.5 inches to 2 inches high. In fact, this kind of heels has been rather popular in the 50s and 60s and many Hollywood movie stars and celebrities at that time were crazy about the kind of shoes. There are many different styles and designs that can be seen in kitten heels. For those tall women who want to have the sex appeal of high heels, but don’t need too much added height, kitten heels are definitely the best options.

In the market, you can find various designs of the shoes, but among so many options, you can’t miss red pointy toe type, animal print pointy toe style and of course the classic black ones. Red types, without doubt, can add more sex appeal to your style. Every girl needs at least one pair of red shoes to complete the wardrobe. Black types can be worn for both work and after-work activities and they won’t go out of style easily because of the classic design and timeless quality. As to animal print types, they are the most popular styles this season. If you want to look trendy and stylish, you shouldn’t miss animal prints.

No matter what kind of kitten heels you are going to choose, wearing pointed-toe kitten heels can surely endow you with the mix of retro elegance and irresistible attraction which is rare to see in other kinds of heels.

All About the Hip Hop Music

Hip hop music as we all know is really popular these days. It all started in the 1970’s from the South Bronx of New York City. There are a lot of sub culture music styles that are involved with Rap music. Let us know more about hip hop in the following listed details:

Brief history:

During the 1970’s, New York City’s African American Puerto Rican community created the Rap music genre. It is actually a style that came up while trying to add rap music and other instruments like synthesizers, drum machines in live bands. Rappers are the main subject of the hip hop though there are more to it than just rapping. It began with its simple music versions that were modernized and evolved throughout the years.

Styles and Techniques:

Hip hop music or Rap music is not just music at all. It is composed of other things, not only the music itself. If we talk about being in a hip hop culture and community, you will be in a lot of transformation and changes. For example is their fashion statement. Hip hop has brought along a new type of clothing to all artists on the rap music industry including the people listening to it. It is what the people on the Bronx have come up with, but the a little edge into it. We can see most of the artists wearing baggy clothes, with much ‘blings’ in their accessories. It is all part of the hip hop community transformation.

The language is also a bit different. Black people from the Bronx have a certain style or slang in their language. They are more of the baroque style of speaking, and they have added that style in their music’s. Rap music are consists of songs that are written for people that wants to express their feelings in an edgy way.

Graffiti:

Even the graffiti has been transformed by the hip hop music society. It was used in the earlier years as a form of expression for the political activists. Now, hip hop people created it into a way for them to express their way of life, thoughts with the current society, and all other issues. It can be seen throughout the Bronx where it originated.

Famous artists:

1. Run-D.M.C.

2. Public Enemy

3. Grand Master Flash and the Furious Five

4. Beastie Boys

5. 2pac

6. Eric B and Rakim

7. N.W.A

8. Wu-Tang Clan

9. Jay Z

10. De La Soul

11. Outkast

12. A Tribe Called Quest

13. Notorious BIG

14. Nas

15. Eminem

17. LL Cool J

18. Boogie Down Productions

19. Dr. Dre

20. Afrikaa Bambaataa

21. Kanye West

22. The Roots

23. Gangstarr

24. Ice Cube

25. EPMD

26. Salt-N-Pepa

27. Slick Rick

28. Big Daddy Kane

29. Snoop Dog

30. Pete Rock and C.L Smooth

Those are the major information we should know about the rap music genre. Try listening to some of their songs to know more about what this type of music is all about.

Kitchen Furniture Manufacturers – Enriching Your Kitchens

Ever wondered what kind of intense pressure Christiano Ronaldo must be going through every time he walks on to the field while playing for the hugely popular Manchester United? I know it’s the wrong kind of comparison, but kitchen furniture manufactures are almost always put in similar kinds of unenviable situations. After all, they have been entrusted with the onerous task of resurrecting our stolid kitchens. Wherever they go, their impeccable reputation precedes them. A reputation, which has been painstakingly built on years of selfless service to homeowners across the globe.

Excellence that speaks for itself

One look at furniture created by leading kitchen furniture manufacturers, and you know that you’re looking at something special. The obsession with excellence, emphasis on cutting edge design, unmatched craftsmanship and complete attention to every possible detail, is unmistakable. Then there are those numerous innovations in terms of style and color that make the furniture look almost like an esoteric yet priceless work of art. Be it kitchen dining furniture, kitchen island furniture, kitchen storage furniture or an array of functional cabinets, nothing comes close to the tireless service rendered by kitchen furniture manufacturers. Giving a fresh lease of life to every kitchen is their credo, and it’s clearly espoused in their work.

Wood and more

If you are on a singular mission of adding oodles of aesthetic value to your kitchen, then there’s nothing to beat wood kitchen furniture. That’s a secret every kitchen furniture manufacturer will tell you. Wood kitchen furniture, be it chairs, tables or even stools has the power to add immense value to any space. Unique and distinct in every possible way, each piece of furniture is sure to fill you with not contained enthusiasm and glee. But what if the thought of being Eco-friendly provokes you? Then there are other options that can be explored. Several manufacturers make fabulous looking furniture from medium density fiber board, particle board and laminates. This kind of furniture is enduring, practical and very affordable. Considering that the radioactive stocks of this furniture rarely last, you must consider it rather providential to get something for your kitchen. It’s all that you need to make cooking an absolute delight.

E-commerce and furniture

The emergence of the Internet and the consequent information explosion has revitalized and energized the kitchen furniture industry all over the world. These manufacturers make use of the Internet extensively to offer tailor-made solutions to their clientele. Its just not kitchen furniture that is selling like hot cakes but integrated kitchens, custom-made kitchens, kitchen cabinets and many more food storage alternatives. These manufactures are sure poised for a great leap forward in the near future.

Kitchen furniture manufacturers with their innovative ideas, refreshingly different design and impeccable execution have managed to carve a niche for themselves in the hearts and minds of customers. They have developed an uncanny ability to understand the client’s requirements perfectly and find flawless solutions for them. Only they can ensure the perfect balance between fashion and function, always.

Decor Ideas For Classic Home Furniture

Classic home furniture is elegant or traditional. It doesn’t have to be boring or predictable. These are simply quality pieces that you spend a little bit more money on just because you will get a lot of use out of them. You can also style them in a lot of different ways to make them feel different. Here are a few tips for picking up these kind of furnishings.

When you go shopping for classic home furniture your really going to want to focus in on the overall style of the piece. This is super important simply because the shape is really what determines the design. In this case you want to go with more of a timeless or traditional look. This will keep it from becoming dated quickly. Plus, you’ll always be able to change up your specific design style just by changing out a few pieces in the room. This can really save you a lot of money. You’ll need to find a bridge between the over the top look of theme decor and the clean lines of contemporary decorating. This will give you a lot of design durability.

Another aspect that you want to consider when buying these pieces is to go with a material that won’t easily become dated. You will really want to get a high quality wood. Often times, this is what really makes the piece. Plus it’s a way to add a subtle color palette to your room. This means staying away from more vibrant fabrics and wood tones. You really want to go with something that has an enduring style and then put your personal stamp on it through smaller touches.

There are several different aspects in the classic style. You could go with a classic country, traditional elegant look, or a more casual feeling. It’s just a matter of what the word means to you and how it works within your specific lifestyle. This will really tie in with your overall color palette as well as your price range. For instance if you wanted a classic contemporary look then you could focus on a dark almost black wood. If you want a country look then go with an oak in a medium or light tone. For a traditional beach cottage theme find furniture that has a whitewash look. For a formal feeling you would go with a mahogany tone. There are several different types of classic home furniture; it is just a matter of finding the ones that you can really live with.

Home Furniture Construction: Signs of Furniture Craftsmanship

Home furniture construction is every bit as important as its looks – perhaps even more so. Most home furniture manufacturers offer much the same type of furniture, with not a great deal of intrinsic difference between their overall design and appearance. It is how furniture is made that matters, because you want it to be comfortable, hard wearing and last a long time.

The standard of furniture craftsmanship employed is very important, whether you are purchasing a table, cabinet or sofa. Here is what to look for in your own home furniture before you part with a single cent:

The Construction

You can always tell how well a furniture manufacturer builds it furniture by checking a drawer. Just one drawer is all it takes to make a fairly accurate judgment. Remove the drawer and check the joints. There should be dovetail joints all round, signifying strength and durability. The front joint should be hidden dovetails, so they don’t show on the outside face.

Inspect the outside and inside of each drawer to make sure everything has been properly smoothed down, and its contents are unlikely to be snagged. The sign of good furniture craftsmanship is that even the outside surfaces of the drawers, including the bottom, have been properly smoothed and finished. They should also open smoothly, preferably with a central drawer guide rail to prevent any lateral movement.

Rails and framework should be fitted using proper carpentry joints: cross rails using dovetails or pinned mortise and tenon joints. Mortise and tenons should be used on the main frame of chests, cabinets and armories. The wood finish should be added in steps. This should begin with a preservation coat and then the staining and finishing coats added.

Back panels should not be stapled – these frequently loosen, and the furniture could be weakened. In fact, if the correct jointing techniques have been employed in home furniture construction, the back panels should not be needed for strength – the frame should be strong enough itself. Nevertheless, panels should be attached using screws and corner blocks. An important aspect of taller furniture is that it has been tested for stability. You don’t want a tall chest tipping over when you pull out a filled top drawer.

Furniture Craftsmanship in Upholstered Furniture

Here again the strength of the frame is all-important. You sometimes find upholstered home furniture construction given less attention than that of cabinetry because it is not so visible. However, the frame should at least be constructed from a properly jointed hardwood frame, and not just from plywood panels nailed together as you sometimes find. A well-built frame provides a solid base for the springing and other upholstery, and your chairs and sofas will last a long longer because of it.

The base of the seat should first be correctly webbed and then sprung using steel springs of the right size for the depth of the seat. The springs should be properly secured to a solid wood frame and tied together so that the seat is comfortable to sit on. They should then be covered with canvas or synthetic burlap, and then stuffed using a suitable natural or synthetic stuffing material before adding a final cotton batting that acts as a base for the cover.

The External Covering Fabric

The cover fabric should be hard-wearing, meeting industry standards for upholstery fabrics and also meet any fire-resistance regulations applicable. The cover should be properly tacked to the frame, although it is common these days simply to use a staple gun. The cushions should be filled comfortably, some preferring a coil sprung filling wrapped in a layer of foam or batting. Whichever type is used, the internal fiber should be effectively secured and distributed evenly.

Finally check the overall appearance of the furniture. If your upholstered furniture has been manufactured using proper standards of home furniture construction, it should look good, feel completely stable and also be comfortable to sit on. The covers and cushions should fit correctly, and be neatly sewn, and the seat should offer support at the front edge and not sag.

Home furniture construction is very important, and without being sure that proper standards of good furniture workmanship have been employed in its manufacture, you should not expect it to last. While furniture hand-crafted from solid wood and the best materials can be expensive, you should assess that against the cost of replacing poorly made furniture that fails to last.

Settee Beds Usually Are a Popular Choice in Children's Home Furniture

One of the most well-liked home furniture choices these days, is the couch bed. Couch beds provide a chance to save some space, but are extremely practical and create versatility in living spaces. Lounge beds tend to be the very best solution for bedrooms having restricted room that should have both a bed and lounge in them. While typically utilized in tv rooms, settee beds tend to be now becoming rather popular for youngsters rooms mainly because of their doubling up abilities. Settee beds are a exciting and practical option for kids room home furniture.

It’s pretty common know-how that kids tend to be a disaster waiting to take place. If you want to give them a massive amount of room to play you’ll need to keep home furniture in child’s rooms to a minimum and you realize they’re going to litter the room with toys and other things. Naturally, a bed is an essential piece of the room and it is significant footprint can take up a large amount of precious space. That can leave very little space for studying and playing.Older kids will need different home furniture in the daytime. If they have a sofa they are able to sit comfortably to do the stuff they take pleasure in. Much of the time a bed is of no use throughout waking hours and basically uses up space without being used all through the day.

In several instances a settee bed for a kids’ space is the ideal answer, allowing youngsters to utilize and take pleasure in their personal space very easily. At times moms and dads don’t think about it nevertheless a couch can turn out to be a important component of a kid’s room after they get to a particular age. When growing youngsters start to read a large amount of textbooks they need a comfortable place where they can sit and concentrate. Typically when a bed is used as a reading area it can lead to a child to feel sleepy and become powerless to focus on just about anything but sleeping. In the event that your kid has a settee she will be able to use it a great deal for quite a few more purposes and have fun also.

An additional fantastic feature of utilizing a lounge bed in a kids’ room is it saves a large amount of space. Then you may have the room you will need to fit in a wardrobe or different useful furniture. With out the added in clutter of extra home furniture a space seems larger and is more comfy and helpful when they need to have room for work, amusing pals and sleepover get-together. You are able to discover a sofa bed for a child’s room in virtually any coloring, type or layout you want. Numerous of the styles we discover for general use will moreover be very good for use inside a kids’ room as well. Kids will generally prefer the convenience of an upholstered sofa. There are also kid’s couch beds made to work with particular themes in case you plan to generate a themed room for your little one.

The Facts About FHA And VA Home Loans & Refinancing

Government-Backed Loans – Government loans refer to those loans that are guaranteed by one of two federal agencies. The two types of government loans are: Federal Housing Administration (FHA) loans, and Veterans Administration (VA) loans. The advantage of financing using FHA loans are that they are easier to qualify for and allow a borrower to finance more of the loan amount than non-government loans. Whereas with a Conforming loan a borrower may only be able to finance 80% of the loan amount, a FHA loan allows a borrower to finance 97% of the loan amount. FHA loans are recommended for those borrowers who are first-time buyers, have little money to put down, have a short credit history, or are having trouble qualifying for a Conforming loan. The two main advantages of financing using VA loans are that the VA allows borrowers to finance 100% of the loan amount, and that, the VA only requires proof of veteran status to qualify for the loan. The only drawback to government loans is that mortgage insurance is required at all loan to values (LTV), unlike Conventional and Jumbo loans where payment of mortgage insurance is determined by the amount of equity a borrower has in his home.

VA Loan Information

VA loans are designed to provide assistance in purchasing a home for United States Veterans. A benefit of a VA loan is that you can purchase a home with no down payment. In addition, it is slightly easier to qualify for a Veterans Affair loan when compared to a regular loan.

Many people for who actually qualify for a VA Loan are not aware of it.

Who qualifies for a VA Loan?

The following table shows what type of service (and for what duration is required in order to be eligible for a VA Loan:

Wartime

Service during:WWII-09/16/40 to 07/25/47 Korean-06/27/50 to 01/31/55 Vietnam-08/05/64 to 05/07/75 Persian Gulf-8/2/90 to undetermined. You must have at least 90 days on active duty. Plus, you must have been discharged under other than dishonorable conditions. If you served less than the standard 90 days, you may be eligible if discharged for a service connected disability.

Peacetime

Service during periods:-07/26/47 to 06/26/50 & 02/01/55 to 08/04/64 & 05/08/75 to 08/01/90To qualify for a VA Loan, you must have served at least 181 days of continuous active duty. Plus, you must have been discharged under other than dishonorable conditions. If you served less than the standard 181 days, you may be eligible if discharged for a service connected disability.

Other questions about VA Loans:

1) Is the spouse or children of a veteran eligible?A spouse is eligible if the veteran died as a result of a service connected disability or died while on active duty. The children are not eligible. 2) Who makes the loans?Private lenders make the loans. However, the VA guarantee protects these lenders against loss. The guaranty will allow lenders to make loans without other requirements (for example, a down payment). 3) Can I get a VA loan if I have been foreclosed on in the past?Yes. The best way to find out how to qualify for this is to contact a mortgage specialist. They can give you advice on what you can do to ensure you can qualify for a loan.If you are considering a VA Loan, remember that there are still a variety of different mortgages. A mortgage broker can be a useful tool to help find the most appropriate mortgage for your purchase. If you plan on living in your home for a long period of time, you may want to consider the traditional fixed-rate 15- or 30-year loan. Another option is to choose an adjustable rate mortgage and consider refinancing again in a few years. Short-term mortgages include balloon mortgages and one-year adjustable rate mortgages.

Is an FHA loan the best home loan for my situation?

You have many decisions when choosing which type of loan is best for your situation. Is the FHA loan the best? What about a VA loan? When is a Conventional loan better than an FHA loan?

A mortgage specialist can analyze your situation, and help you determine which loan is best for you. In many cases, there are other loans more beneficial than an FHA loan. Although in some situations, FHA loans are the best choice.

About the FHA Loan program. With an FHA Loan, your home loan is insured by HUD. The FHA Program is designed to help give home buyers the opportunity to qualify for a mortgage, when they may not otherwise qualify. HUD assumes some of the risk on the loan. The requirements are not as high for an FHA loan as they are for Fannie Mae or Freddie Mac Loans. Plus, a borrower can purchase a home with only 3% down. In some cases a borrower can qualify for gift programs which allow them to purchase a home with no money out of pocket. There are a variety FHA loan programs that you can take advantage of. A mortgage specialist can give you advice as to which is best for you.