Discussing what the VA Home Loan does NOT do…! #h1b #freetrade

I joined the navy on 13 Oct 76 at which time I became eligible for a VA Home Loan.

Sadly around that time our country began shipping jobs to other countries via Free Trade Agreements.

And in 1990 our country began importing non-immigrant guest workers to take the remaining jobs.

Which destroyed my future and my credit as you can see by this chart and because I can no longer find work that pays more than minimum wage, destroys my ability to even apply for a VA loan.

How do I know this?

I have applied to the Texas Veterans Land Board several times to buy my land and their rejection tells me that they do not believe that there are no jobs out there for 58 year old Displaced American Software Developers.

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And to rub salt in my wound, today I receive this:

Colleagues and Fellow Veterans,


It’s been a while since I provided an update on the VA Home Loan program …. So here goes….


Since 1944, VA has backed over 22 million home loans for Veterans and their families.  The program provides a guaranty for mortgage loans made by private lenders to eligible Veterans.  The guaranty backing effectively eliminates the need for a down payment, helping Veterans afford homeownership.  No other major no-down mortgage program exists in the market today, and typically around 90% of VA loans are obtained with no down payment.  As of September 30, we reached the milestone of over 700,000 home loans guaranteed for the fiscal year 2016.   That 700,000+ figure is the most home loans guaranteed in one fiscal year in the history of the program.


VA continues to modernize the program, reducing time spent in the loan approval process while also improving the accuracy of benefit delivery, Veteran outreach and communication. These improvements have allowed VA to maximize opportunities to promote the attractiveness of the program to lenders, builders, real estate agents and most importantly to our active duty Servicemembers, Veterans, and surviving spouses.


The VA Home Loan program benefit is not a one-time benefit– it’s reusable.  VA loans can be obtained for up to the full appraised value of the home (100% loan-to-value).  In addition, there is the potential for these loans to include up to $6,000 towards improvements for energy efficiency, AND the loan funding fee can be rolled right into the loan balance.  VA waives that funding fee for Veterans who receive VA compensation benefits, those who are service-connected disabled, but serving on active-duty, or those drawing retirement pay. Some surviving spouses are also exempt from the funding fee.


We are proud to say that our VA Home Loan program can also help Veterans who are current homeowners.  Many borrowers are now looking to take advantage of historically low interest rates to refinance their homes.  Just 5 years ago, the average interest rate for a 30-year fixed mortgage was 6%; today that same rate is around 3.5%.  Veterans can reuse their VA benefit to streamline refinance an existing VA loan, often with no money out of pocket.  On these streamline refinance loans, VA requires no appraisal and no credit underwriting, which can be of great assistance to Veterans who may have suffered a minor credit setback, or whose home values may have declined during these past few years.  Last year, a streamline refinance decreased the average Veteran’s interest rate 1.4%, and saved $202 a month in mortgage payments.  Cumulatively, our Veteran borrowers saved over $300M last year!


For Veterans with FHA or conventional loans, VA can also assist with the ‘regular’ refinance program.  Since VA does not charge borrowers upfront or monthly mortgage insurance premiums, refinancing from an FHA loan into a VA loan can save Veteran borrowers a significant amount of money.


We encourage Veterans to seek the advice of a financial professional to determine what mortgage decisions are in their best interest, but wanted you to know that the VA Home Loan program stands ever-ready to serve them, providing the opportunity to purchase or refinance a home.


In addition, VA stands ready to assist Veterans who have already obtained a VA home loan.  If you already have a VA loan and are facing financial difficulty, please call to speak to VA loan representatives at 877-827-3702.  In FY16, of all loans that defaulted, 84% were saved from foreclosure.


Veterans may obtain a Certificate of Eligibility for their Home Loan Guaranty benefit online through eBenefits or through their lender:https://www.ebenefits.va.gov/ebenefits/homepage


Learn more about Interest Rate Reduction Refinance (IRRRL) streamline refinance loans (on VA’s website here:  http://www.benefits.va.gov/HOMELOANS/irrrl.asp).


VA information specific to the Home Loan Guaranty Funding Fees is here:



Information on the VA Home Loan Guaranty, directly from the Department of Veterans Affairs, is available at eBenefits.  Key program facts can be found here:  http://www.benefits.va.gov/homeloans/



Curtis L. Coy

Deputy Under Secretary for Economic Opportunity

Veterans Benefits Administration

U.S. Department of Veterans Affairs

Washington, DC 20420

VA Core Values:  Integrity, Commitment, Advocacy, Respect, Excellence (“I CARE”)


Please Remember:



Why is HREdaily even discussing the option of Displacing More Americans in America?

Folks, we have reached a point in America where we need to decide which side of the fence we stand on.

Do we stand on the side where we continue the work that our ancestors did and make America the best damned country in the world for American Citizens?

Or, Do we stand on the side that advocates destroying the future of American citizens to enrich American companies who want to squeeze profit more than they want to build a country and a future for our children?

You know which side of the fence I’m on.

Which side are you on?

As befits a story important to the tech industry, there is a way to use data to get a sense which candidate might be best for the industry. The data-heavy political blog 538 this week looked at contributions from Silicon Valley to the two campaigns.

With 95 percent of the money from these donors, Clinton outdistances Trump by a huge margin. That might signal optimism about her policies on employment-based immigration.

Or it could mean something else entirely. After all, Silicon Valley is in the heart of ultra-blue California.



How do I put back to work Displaced Software Developers who are American that were displaced by #h1b ?

I ask myself that question every day.

I know how I would do it if I had the money.

I would target every government agency that is accepting bids.

And I would also expose every government agency that is awarding those contracts to companies that do not hire Americans.

There are those that have the money to make this a reality and I think they are missing out on the opportunity that exists for them to make substantially more money.

But I don’t know how to discuss this with them.

If you know how to put us in touch with each other, feel free to do so.

My personal email is vbiersch@gmail.com and my business email is virgil@KeepAmericaAtWork.com


Silicon Valley, when you make it so that American citizens in America cannot provide for their family you set yourself as America’s Target

You have destroyed my future with your policies.

Yesterday, two guys that do not have the money to give as they too have been out of work for the most part since 2003 just like me and Art, well they donated about ten bucks each which left them in dire straits just to help me get through this month so that I don’t lose my land.

My suspicion is that they too have lost everything so they know what I am going through.

If you think people like us are not pissed and wanting payback, then you better pull your head out of the sands of denial.

But Silicon Valley CEOs have also funded a large number of supposedly bipartisan “nonprofit groups,” such as FWD.us, that lobbies for “technology industry interests,” including open borders for undocumented immigrants and unlimited H-1B tech visas.



The heartland has been devastated.

“All of our elites preach free trade. The highly educated people who make public policy explain that cheap imports make everyone a winner, according to economic theory, but in actual practice we’ve lost tens of thousands of factories, millions of jobs to foreign trade,” said Thiel. “The heartland has been devastated. Maybe policymakers really believe that nobody loses, or maybe they don’t worry about it too much because they think they are among the winners,” he said.


Let me show you what Free Trade and non-immigrant guest workers have done to me personally…

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20 Million illegals and Americans sleep on the streets in tents. Vote Trump.

Just a day earlier the star had been attacked with a sledgehammer by a wealthy heir to the Otis elevator fortune, who was last seen in the news a few years ago auctioning off a number of Mahatma Gandhi–related artifacts to a wealthy Indian businessman for almost $2 million.

The symbolism was inescapable — a highly privileged, wealthy member of the establishment violently attacking Trump — and being celebrated for doing so — while a person who is almost the demographic epitome of underprivilege by liberal lights was defending Trump — yet she was largely ignored outside of the conservative media since her cause was unpopular. The woman’s sign, which she held aloft, said it all: “20 Million illegals and Americans sleep on the streets in tents. Vote Trump.” That one sign held a more succinct message and powerful message on immigration than the entire apparatus of the GOP consultant class has managed to put out in order to attract working class African Americans and Hispanics to an enforcement-first immigration policy. The working class, and in particular the African-American and Hispanic working class, are the ones most devastated by the Democrats open-borders policies. And the GOP’s failure to make that case effectively to those voters must rank as one of the singular failures in contemporary American politics.

Read more at: http://www.nationalreview.com/corner/441638/how-other-half-lives-homeless-womans-powerful-message-gop-immigration#pq=Hn04Je


We don’t care if American Citizens have to sleep under a bridge, but we will make it easy for #h1b to renew non-immigrant visa

The announcement also puts an end to the previous ruling in which TCNs are barred from applying for the aforesaid visa type at the U.S. Consulate General in Vancouver.

The US government elaborated that this was issued to help foreign nationals save time and money on going home just to apply for an H-1B. A flight to Canada is relatively cheaper and shorter than going beyond the North American premises.


Amazing isn’t it.

I’m an American Citizen with 30 years of the very same experience that they are importing non-immigrant guest workers for.

And they will bend over backwards to make it so that they do not have to fly home to India to renew their visa.

While doing this to me.

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I knew it was illegal and I did it anyway

How many people are taking proxy interviews to get jobs doing what they are not qualified to do and then do stuff like this?

According to MCSO, Desai told detectives that he was tinkering with Apple’s programs so the company might pay for information about bugs and viruses and give him credit for the discovery. Desai allegedly said he “had no intention of pushing [the bug] out to the public because he knew it was illegal and people would ‘freak out.’”

MCSO also alleges that Desai said he might have accidentally released the bug through Twitter when he meant to release a “lesser annoying bug that only caused pop-ups and dialing to make people’s devices freeze up and reboot.”


For those not knowing what proxy interviews are.

In its simplest form, somebody that is not qualified, falsifies their resume, and if they get selected for an interview, they do it via skype or some other means and they pay somebody else with skills to take the interview for them so that they can get the job.

Tip of the Hat to Walter for this tip.