World News Daily: 2009

Photodynamic Therapy

Thursday, December 10, 2009

Photodynamic therapy is a highly specialized and specific form of treatment that is most often used to treat skin cancers, some types of lung cancer, and pleural mesothelioma.

Photodynamic therapy uses light energy to kill cancer cells.
However, this treatment is usually unsuitable for patients with metastasized cancer; it is most effective in patients who have localized disease.

This type of therapy involves the use of light energy to kill cancer cells. In photodynamic therapy treatment, the patient is given an intravenous solution of a medication that makes cancer cells highly sensitive to a particular kind of light.

One to three days after this treatment, the patient is exposed to the light, and cancer cells that have absorbed the medication are killed.

Mesothelioma Radiation

Radiation therapy, or "ionizing radiation", is used to kill cancer cells and to limit the spread of cancer. For patients with mesothelioma, radiation therapy is most often used in conjunction with surgery.

Radiation is often used in conjunction with surgery.
However, in some cases radiation may be used as a stand-alone treatment to relieve pain and other symptoms associated with mesothelioma. In either case, it is rare for radiation therapy to provide more than short-term symptomatic relief.

Mesothelioma patients may receive one of two types of radiation therapies, depending on whether or not they are suitable candidates for either procedure.

External beam radiation therapy is the traditional type of radiation therapy, where tumors are bombarded with beams of radiation to kill cancer cells. Brachytherapy is a newer type of radiation treatment. It involves tiny radioactive rods which are implanted within a tumor to provide a strong, concentrated dose of radiation to tumors while doing very little damage to surrounding healthy tissue.

Mesothelioma Surgery

Surgical treatments for mesothelioma include three main types - diagnostic surgery, curative surgery, and palliative surgery. Some types of surgery fall into more than one category.

Surgery can only be performed during mesothelioma stages I and II.
For example, thoracentesis may be used as a diagnostic procedure, and as a palliative treatment to provide symptomatic relief. Only curative surgery can potentially remove all cancer from a patient with mesothelioma.

However, for curative surgery to be effective, it is particularly important that mesothelioma be diagnosed as early as possible. Unfortunately, mesothelioma is not usually diagnosed until it reaches Stage III or IV, when surgery is not an option.

Mesothelioma Chemotherapy

Most forms of chemotherapy involve the intravenous administration of drugs such as Alimta and Cisplatin. Chemotherapeutic drugs are targeted to kill cells that are rapidly dividing by interfering with processes that occur during cell division.

Chemotherapy is an effective treatment option but comes with unpleasant side effects.
However, while cancer cells themselves divide rapidly, so do some types of healthy cells, causing some of the unpleasant side effects that are often associated with this form of treatment. Though older chemotherapy medications seemed to do little to fight mesothelioma, newer chemotherapy drugs are showing much promise.

A relatively new form of chemotherapy called heated chemotherapy is an option for patients with peritoneal mesothelioma.

This treatment is carried out following surgery, and involves the perfusion of heated chemotherapeutic medications into the peritoneum.

Mesothelioma Treatment

There are several mesothelioma treatment options including chemotherapy, radiation, and surgery.
There are several types of treatment available for patients with mesothelioma, some recommended more frequently than others. The most commonly used treatments are surgery, chemotherapy, and radiation therapy. In addition, some experimental treatments are becoming more widely used, or are showing some encouraging results in clinical trials. These treatments include photodynamic therapy, gene therapy, and immunotherapy, among others.

Most of these treatments are not used in isolation. In many cases, treatment may consist of a combination of therapies. For example, surgery to remove as much of the cancer as possible may be followed by radiotherapy or chemotherapy to remove residual cancer cells. This is one of the most common treatment options for mesothelioma among those who are candidates for surgery.

If you or a loved one have been diagnosed with mesothelioma it is likely you’re interested in the various treatment options available. Working with your doctor to create the best treatment plan is an important step. Knowing what the treatment plan will do to help treat the cancer often helps patients and their families understand the process and feel more comfortable.

We offer a complimentary informative packet that includes all the information on our Web site and additional information about available treatment options that you may take with you continually educate yourself and those around you about mesothelioma. Click here to receive your packet overnight.

A number of alternative therapies can also be combined with traditional treatment options. Many patients choose to add alternative therapies such as massage, acupuncture, or TENS therapy to their conventional treatment approach in an effort to enhance or compliment the treatment process. A variety of alternative therapies, including aromatherapy, meditation, or yoga, are often added to a treatment regimen to provide pain relief and foster relaxation.

Mesothelioma Cure

Though a cure for mesothelioma does not currently exist, many patients elect to undergo treatment to combat the cancer. Patients may also wish to participate in clinical trials conducted to test up-and-coming treatments and medications before they are released and recommended for public use. Clinical trials are extremely important in the search for a mesothelioma cure. Knowledge gained from study results greatly help medical professionals come closer to the discovery of a cure for mesothelioma.

5-Year Survival Rates for Mesothelioma.
Certain doctors such as Dr. David Sugarbaker have actively pursued better treatment options for mesothelioma patients and have been instrumental in the quest for a cure. Utilizing a multi-modal approach, Dr. Sugarbaker has made great strides in mesothelioma treatment and has increased survival rates for mesothelioma patients.

Learning that a cure does not exist can be discouraging to mesothelioma patients and their loved ones, but stories of survivors continue to surface, instilling hope in those affected by the cancer.

Pain Management

Mesothelioma patients often suffer from a great deal of pain as a result of their illness. Tumors can press on nerves, organs or bones causing pain ranging from mild to severe. There can also be pain associated with the mesothelioma treatment itself - whether treatment is from surgery, chemotherapy or radiation. Psychological pain associated with the knowledge that you have cancer or the belief that the demands of cancer are burdensome to family and friends can be difficult, as well.

The three most common types of pain are:

•chronic pain may vary from mild to severe and persists over a long period of time
•acute pain is short in duration, quite sudden and severe
•breakthrough pain describes when someone experiences pain when his or her chronic pain is normally controlled by medication
Many patients are unaware of the numerous resources available that can help them feel better - some of them at no cost. There is no benefit to enduring this pain as it can cause problems with sleep, activity and movement, make a patient less likely to eat, increase depression, and interfere with how a patient interacts with family and friends. There are several things that can be done to control pain, but you must help your doctor assess your pain and outline a treatment plan. Untreated, pain can diminish a patient’s quality of life.

Coping with Serious Illness

When a loved one receives a diagnosis of a life threatening illness the patient and his or her family may experience pain and grief before the illness has run its course, and, if treatment is unsuccessful, long after the loved one has passed away. Grief is a normal process that everyone goes through, and you should remember that there is no right way to deal with this pain. Each individual experiences grief differently and uniquely, and it can be experienced in many ways - including mentally, physically, socially and emotionally.

The most important thing to remember is that patients and loved ones are not alone, and that there are numerous resources available to help work through the pain that patients may be experiencing: books, websites, hospice groups, support groups, counselors, priests or other religious figures, family and friends. All of these can help patients both acknowledge their feelings and work through them as they deal with this difficult time.

Asbestos-Related Diseases

Asbestos exposure is associated with the following diseases and conditions:

Asbestosis is the chronic inflammation and subsequent scarring of the lung that causes shortness of breath and is linked with an increased risk of lung cancer.

Lung cancer is the abnormal cell growth of lung tissues. Asbestos exposure can cause or contribute to lung cancer, most commonly in patients with a significant smoking history. Cigarette smoke has a synergistic effect with asbestos and can multiply the relative risks of developing lung cancer up to 50 fold.

Pleural plaques is a condition describing the presence of irregular, scarred tissue outside lining of the lung (pleura).

Pleural disease occurs when the scarring of the lung's lining is sufficient enough to cause restrictive lung disease.

Mesothelioma Treatment

Malignant mesothelioma is a rare form of cancer which occurs in the lining of the lung (the pleura) or in the abdomen (the peritoneum). In very rare cases, mesothelioma can occur in other areas of the body as well. Knowledge of available mesothelioma treatment options can be an essential weapon in the fight against the progression of this deadly disease.

If you have questions or would like to explore your legal rights regarding a potential asbestos or mesothelioma case, please contact attorney John Herrick or Anne McGinness Kearse by email or call +1 800.923.4237.

Treatment Factors and Options

Treatment decisions are based on the location of the cancer, the stage of the disease, and the patient’s age and general health. The three types of standard treatments used are:

•surgery (removing the cancer)
•radiation therapy (using targeted high-dose x-rays or other high-energy rays to kill cancer cells)
•chemotherapy (using drugs to destroy the cancer)
In order to achieve the best possible results, these treatments may be combined. Clinical trials for immunotherapy and gene therapy are also in progress for treatment of mesothelioma.

The chance of recovery for a person with mesothelioma depends on several factors, including:

•age of the patient
•appearance of the cells under a microscope
•location of the cancer
•response to treatment
•size of the cancer
•stage or spread of the cancer throughout the body
Treatment for the Stages of Mesothelioma
Stage I
An increasing number of patients with Stage I mesothelioma have their cancer surgically removed. Supplemental chemotherapy or radiation therapy may be added to treatment. Radiation therapy may be used for patients whose general health is too poor to tolerate a major operation.

Stages II, III
Treatment options include care to provide relief of symptoms, such as removing the fluid that has accumulated in the chest cavity, operations to remove as much of the tumor as possible and radiation therapy or chemotherapy aimed at easing symptoms. Patients in these stages may consider enrolling in clinical trials evaluating the newest treatment possibilities at large medical centers.

Stage IV
Stage IV mesothelioma indicates that the cancer has spread to distant organs. If any aggressive therapy is used, such as chemotherapy and radiation therapy, doctors should clearly explain the goals and potential outcome to the patient and family.

Mesothelioma Diagnosis

As with all diseases, a doctor begins the mesothelioma diagnosis by doing a complete physical exam and reviewing your medical history. Because mesothelioma is almost always attributable to asbestos exposure, you should report the extent, if any, of your exposure to your doctor.

Symptoms of Mesothelioma
The symptoms associated with mesothelioma occur as a result of fluid build-up in the lungs, chest cavity or abdomen. Frequently, mesothelioma victims suffer from persistent cough, chest pain, back pain, shortness of breath, an enlarged abdomen and hoarseness.

Medical Tests and Diagnosis
Untreated mesothelioma symptoms will eventually become more severe. When a doctor suspects mesothelioma, he/she may order an MRI, CT scan and/or x-ray to determine if there is any fluid build-up in the chest cavity. If it turns out that the chest or abdomen is congested with fluid, the doctor will generally perform a fine needle aspiration by inserting a needle into the chest cavity in order to remove excess fluid, which will be examined for malignant cells.

Usually doctors follow up on the fluid sample with a biopsy. If mesothelioma is suspected but not confirmed by the biopsy, an additional procedure called a bronchoscopy may be performed, during which a tube with a tiny camera on the end is inserted through the nose or mouth into the lungs. In some circumstances, a surgeon may open the chest or abdominal cavity.

Identifying the Stages of Mesothelioma
In order to make treatment decisions, your doctor may perform additional tests to determine if cancer cells have spread to other parts of the body. This process is known as staging. When mesothelioma is found in the lining of the chest cavity near the lung, heart or diaphragm without spreading, the cancer is considered localized and is categorized as Stage I.

Advanced mesothelioma that has spread beyond these locations is defined as Stages II, III, or IV depending on how far the malignant cancer has spread. Mesothelioma is considered recurrent when the malignant growth reappears following treatment.

Mesothelioma

Mesothelioma is a form of cancer which occurs in the mesothelial cells that line the lung, chest cavity, abdominal cavity, heart cavity and the outer surface of most internal organs. Because asbestos fibers are smaller than airborne particles, they can puncture the lungs and become lodged in the pleura, and the irritation creates the change in the cells which causes the mesothelioma.

Although mesothelioma tumors can be benign (noncancerous), most cases are malignant (cancerous). Mesothelioma is primarily associated with asbestos exposure and can occur 20 to 60 years after the initial exposure. The most common symptoms include:

•anemia
•back pain
•chest pain
•cough
•enlarged abdomen
•fever
•hoarseness
•recurrent build-up of fluid in the lungs
•shortness of breath
•weight loss
Mesothelioma is an aggressive type of cancer. Unfortunately, the overall prognosis for patients with malignant mesothelioma remains poor. Treatment decisions are based on several different factors and may involve a combination of methods.

Often, by the time symptoms appear and a diagnosis is made, the disease is advanced. The average length of survival is around one to two years from diagnosis, and only about 7% of those diagnosed survive for five years or more. Research scientists and doctors, however, are pursuing several promising improvements in treatment

Neurological Cancers

In the US it is estimated that 21,810 people (11,780 men and 10,030 women) were diagnosed with and 13,070 people died of cancer of the brain in 2008. Estimates suggest 0.61% (1 in 165) people will be diagnosed cancer of the brain and other nervous system during their lifetime.

Skin Cancers

In the US it is estimated that 67,720 people (38,150 men and 29,570 women) were diagnosed with and 11,200 people died of cancer of the skin in 2008. The age-adjusted death rate was 3.5 per 100,000 men and women per year, based on patients who died in 2001-2005 in the US.

Lung Cancers

In the US it is estimated that 215,020 people (114,690 men and 100,330 women) were diagnosed with and 161,840 men people died of cancer of the lung in 2008. Estimates suggest 6.94% (1 in 14) men and women will be diagnosed with cancer of the lung during their lifetime.

Genitourinary Cancers

In the US it is estimated that 68,810 people (51,230 men and 17,580 women) were diagnosed with and 14,100 people died of cancer of the urinary bladder in 2008. Estimates suggest 2.38% (1 in 42) people will be diagnosed with cancer of the urinary bladder during their lifetime.

Gastrointestinal Cancers

In the US it is estimated that 21,500 people (13,190 men and 8,310 women) were diagnosed with and 10,880 people died of stomach cancer in 2008. Estimates suggest 0.89% (1 in 113) of people born today will be diagnosed with cancer of the stomach at some time during their lifetime.

Liver Cancers

Liver Cancers In the US it is estimated that 21,370 people (15,190 men and 6,180 women) will be diagnosed with and 18,410 people will die of cancer of the liver in 2008. Estimates suggest 0.69% (1 in 145) of people born today will be diagnosed with liver cancer at some time during their lifetime.

Breast Cancer

In the US in 2008, it was estimated that 2,477,847 women were living with breast cancer, 182,460 women were diagnosed and 40,480 women died of breast cancer. Estimates suggest 12.03% of women born today will be diagnosed with cancer of the breast at some time during their lifetime.

Vasiu

Monday, September 7, 2009

Pronunciation:al-Waesiu jalla jalaaluh

Meaning:THE ALL-ENCOMPASSING, THE ALL-EMBRACING1- He who has limitless capacity and abundance. 2- He whose generosity, and magnamity are beyond limits and estimates rather beyond imagination. 3- He whose bounties encompass all creatures and things, and the vastness of His knowledge is far more than the entire expanse of earth and the heavens.

Related Verse From The Holy Koran:To Allah belong the East and the West: whithersoever ye turn, there is Allah's countenance. For ALLAH IS ALL-EMBRACING, All-Knowing. (2:115)

Mucibu

Pronunciation:al-Mujeybu jalla jalaaluh

Meaning:THE RESPONSIVEThe responder to prayers. He who grants the wishes who appeal to him. The one who responds to every need.

Related Verse From The Holy Koran:When My servants ask thee concerning Me, I am indeed close (to them): I LISTEN TO THE PRAYER OF EVERY SUPPLIANT WHEN HE CALLETH ON ME: let them also, with a will, listen to My call, and believe in Me: that they may walk in the right way. And your Lord says: "CALL ON ME; I WILL ANSWER YOUR (PRAYER): but those who are too arrogant to serve Me will surely find themselves in Hell, in humiliation!"

Rakibu

Pronunciation:ar-Rakeybu jalla jalaaluh
Meaning:THE WATCHFULHe who observes all creatures, and every action is under His control.
Related Verse From The Holy Koran:And behold! Allah will say: "O Jesus the son of Mary! didst thou say unto men, 'Worship me and my mother as gods in derogation of Allah'?" He will say: "Glory to Thee! never could I say what I had no right (to say). Had I said such a thing, Thou wouldst indeed have known it. Thou knowest what is in my heart, though I know not what is in Thine. For Thou knowest in full all that is hidden. "Never said I to them aught except what Thou didst command me to say, to wit, 'Worship Allah, my Lord and your Lord'; and I was a witness over them whilst I dwelt amongst them; when thou didst take me up thou wast THE WATCHER OVER THEM, and Thou art a witness to all things. "If Thou dost punish them, they are Thy servants: if Thou dost forgive them, Thou art the Exalted in power, the Wise."

Kerimu

Pronunciation:al-Kariymu jalla jalaaluh

Meaning:THE GENEROUSHe whose generosity is most abundant.

Related Verse From The Holy Koran:When the Sky is cleft asunder; When the Stars are scattered; When the Oceans are suffered to burst forth; And when the Graves are turned upside down; (Then) shall each soul know what it hath sent forward and (what it hath) kept back. O man! what has seduced thee from THY LORD MOST BENEFICENT? Him Who created thee, fashioned thee in due proportion, and gave thee a just bias; In whatever form He wills, does He put thee together. Nay! But ye do reject Right and Judgment! But verily over you (are appointed angels) to protect you, Kind and honourable; writing down (your deeds): They know (and understand) all that ye do. As for the Righteous, they will be in Bliss; And the Wicked; they will be in the Fire, Which they will enter on the Day of Judgment, And they will not be able to keep away therefrom. And what will explain to thee what the Day of Judgment is? Again, what will explain to thee what the Day of Judgment is? (It will be) the Day when no soul shall have power (to do) aught for another: for the Command, that Day, will be (wholly) with Allah.

Celilu

Pronunciation:al-Jaliylu jalla jalaaluh

Meaning:THE SUBLIME ONE, THE REVERED ONEHe who is the Lord of majesty and grandeur.

Related Verse From The Holy Koran:Blessed be the name of thy Lord, FULL OF MAJESTY, BOUNTY AND HONOUR.

Hasibu

Pronunciation:al-Haseybu jalla jalaaluh
Meaning:THE RECKONER1- He who knows in detail the account of things people do throughout their life. 2- The one who sufficient for those believe in Him. 3- He who will hold the Last Judgement so that every one should get his due reward and his due punishment.
Related Verse From The Holy Koran:If indeed thou ask them who it is that created the heavens and the earth, they would be sure to say, "Allah." Say: "See ye then the things that ye invoke besides Allah; can they, if Allah wills some Penalty for me, remove His Penalty? Or if He wills some Grace for me, can they keep back His Grace?" Say: "SUFFICIENT IS ALLAH for me! in Him trust those who put their trust." It is the practice of those) who preach the Messages of Allah, and fear Him, and fear none but Allah. And ENOUGH IS ALLAH TO CALL (MEN) TO ACCOUNT.

Mukitu

Pronunciation:al-Mukeutu jalla jalaaluh
Meaning:THE NOURISHER, THE MAINTAINERHe who gives every creature it's sustenance.
Related Verse From The Holy Koran:How many are the creatures that carry not their own sustenance? IT IS ALLAH WHO FEEDS (BOTH) THEM AND YOU, for He hears and knows (all things). Or, who originates Creation, then repeats it, and WHO GIVES YOU SUSTENANCE from heaven and earth? (Can there be another) god besides Allah? Say, "Bring forth your argument, if ye are telling the truth!"

Hafizu

Pronunciation:al-Hafiuzu jalla jalaaluh
Meaning:THE PRESERVER1- He who preserves all things in detail, and for a time preserves them from misfortune and calamity. 2- He who knows in detail the account of things people do throughout their life.
Related Verse From The Holy Koran:He said: "shall I trust you with him with any result other than when I trusted you with his brother aforetime? But ALLAH IS THE BEST TO TAKE CARE (of him), and He is the Most Merciful of those who show mercy!" And those who take as protectors others besides Him, ALLAH DOTH WATCH OVER THEM; and thou art not the disposer of their affairs.

Kebiru

Pronunciation:al-Kabeuru jalla jalaaluh

Meaning:THE GREATESTWho is supremely great. The one and only being, whose existence is free of time, place and similarity to any of the creatures.

Related Verse From The Holy Koran:Allah doth know what every female (womb) doth bear, by how much the wombs fall short (of their time or number) or do exceed. Every single thing is before His sight, in (due) proportion. He knoweth the Unseen and that which is open: HE IS THE GREAT, the most High. It is the same (to Him) whether any of you conceal his speech or declare it openly; whether he lie hid by night or walk forth freely by day.

Aliyyu

Thursday, September 3, 2009

Pronunciation:al-Aleyyu jalla jalaaluh

Meaning:THE HIGHEST, THE SUBLIMEThe highest and most sublime one.

Related Verse From The Holy Koran:That is because Allah is the (only) Reality, and because whatever else they invoke besides Him is Falsehood; and because Allah, HE IS THE MOST HIGH, Most Great. Seest thou not that the ships sail through the Ocean by the grace of Allah? That He may show you of His Signs? Verily in this are Signs for all who constantly persevere and give thanks. When a wave covers them like the canopy (of clouds), they call to Allah, offering Him sincere devotion, but when He has delivered them safely to land, there are among them those that halt between (right and wrong). But none reject Our Signs except only a perfidious ungrateful (wretch)!

Sekuru

Pronunciation:es-Sekuoru jalla jalaaluh
Meaning:THE APPRECIATIVEThe rewarder of thankfulnes. He who highly appreciates good deeds and is bountiful in rewarding them. He who is grateful and gives rewards for deeds done for Him.
Related Verse From The Holy Koran:Those who rehearse the Book of Allah, establish regular Prayer, and spend (in Charity) out of what We have provided for them, secretly and openly, hope for a Commerce that will never fail: For He will pay them their meed, nay, He will give them (even) more out of His Bounty; for He is Oft-Forgiving, MOST READY TO APPRECIATE (service).

Gafuru

Pronunciation:al-Gafuoru jalla jalaaluh

Meaning:THE ALL-FORGIVINGThe forgiver and hider of faults. He who forgives the sins and makes the sinners forget their sins so that no trace of the feeling of regret remains in their memory.

Related Verse From The Holy Koran:Say: "O my Servants who have transgressed against their souls! despair not of the Mercy of Allah: for Allah forgives all sins: for HE IS OFT-FORGIVING, Most Merciful.

Azimu

Pronunciation:al-Aziumu jalla jalaaluh
Meaning:THE MAGNIFICENT, THE GREAT ONEHe who is the most splendid, above everything in divinity.
Related Verse From The Holy Koran:Allah! There is no god but He, the Living, the Self-subsisting, Eternal. No slumber can seize Him nor sleep. His are all things in the heavens and on earth. Who is there can intercede in His presence except as He permitteth? He knoweth what (appeareth to His creatures as) Before or After or Behind them. Nor shall they compass aught of His knowledge except as He willeth. His Throne doth extend over the heavens and the earth, and He feeleth no fatigue in guarding and preserving them for He is the Most High, THE SUPREME (in glory).

Halimu

Pronunciation:al-Haliumu jalla jalaaluh

Meaning:THE FORBEARING ONEHe who is the most clement. He who is never in a hurry to punish His servants for their sins and gives them ample time to repent and make amends. His mercy overcomes His anger and He is ever eagerly inclined to forgive on penitence.

Related Verse From The Holy Koran:The seven heavens and the earth, and all beings therein, declare His glory: there is not a thing but celebrates His praise; and yet ye understand not how they declare His glory! verily HE IS OFT-FORBEARING, Most Forgiving! it is Allah Who sustains the heavens and the earth, lest they cease (to function): and if they should fail, there is none - not one - can sustain them thereafter: VERILY HE IS MOST FORBEARING, Oft-Forgiving.

Habiru

Pronunciation:al-Khabeuru jalla jalaaluh
Meaning:THE ALL-AWAREHe who has knowledge of the most secret parts of everything, and knows their inner meanings. The omniscient knows, witnesses, and sees all things and is aware of all conditions anywhere, anytime, hidden, visible or invisible, all news of His creature universe or the Hereafter.
Related Verse From The Holy Koran:O mankind! We created you from a single (pair) of a male and a female, and made you into nations and tribes, that ye may know each other (not that ye may despise each other). Verily the most honoured of you in the sight of Allah is (he who is) the most righteous of you. And Allah has full Knowledge and IS WELL-ACQUAINTED (WITH ALL THINGS). O ye who believe! Fear Allah, and let every soul look to what (provision) he has sent forth for the morrow. Yea, fear Allah: for ALLAH IS WELL-ACQUAINTED WITH (ALL) THAT YE DO. And be ye not like those who forgot Allah, and He made them forget their own souls! Such are the rebellious transgressors!

Latifu

Pronunciation:al-Latiufu jalla jalaaluh
Meaning:THE SUBTLE ONE1- So fine and subtle as to be imperceptible to human sight; so pure as to be imperceptible. 2- He who knows the delicate meanings of everything. 3- He who creates things most subtly, which cannot be understood by people. 4- He who gives blessings to people in the most subtle ways.
Related Verse From The Holy Koran:That is Allah, your Lord! There is no god but He, the Creator of all things; then worship ye Him; and He hath power to dispose of all affairs. No vision can grasp Him. But His grasp is over all vision: HE IS ABOVE ALL COMPREHENSION, yet is acquainted with all things. "How have come to you, from your Lord, proofs (to open your eyes): if any will see, it will be for (the good of) his own soul; if any will be blind, it will be to his own (harm): I am not (here) to watch over your doings."

Adlu

Pronunciation:al-'Adlu jalla jalaaluh
Meaning:THE JUST ONEHe who is equitable.
Related Verse From The Holy Koran:The word of thy Lord DOTH FIND ITS FULFILMENT IN TRUTH AND IN JUSTICE: none can change His Words for He is the One Who heareth and knoweth all.

Hakemu

Pronunciation:al-Hakamu jalla jalaaluh
Meaning:THE JUDGEHe who judges and makes right prevail, provides what is due.
Related Verse From The Holy Koran:ALLAH WILL JUDGE BETWEEN YOU on the Day of Judgment concerning the matters in which ye differ. And call not, besides Allah, an another god. There is no god but He. Everything (that exists) will perish except His own Face. TO HIM BELONGS THE COMMAND, and to Him will ye (all) be brought back.

Basiru

Wednesday, September 2, 2009

Pronunciation:al-Baseiyru jalla jalaaluh

Meaning:THE SEER, THE ALL-SEEINGHe who sees all thigns.

Related Verse From The Holy Koran:Establish worship, and pay the poor-due; and whatever of good ye send before (you) for your souls, ye will find it with Allah. Lo! ALLAH IS SEER OF WHAT YE DO. So tread thou the straight path as thou art commanded, and those who turn (unto Allah) with thee, and transgress not. Lo! HE IS SEER OF WHAT YE DO.

Semiu

Pronunciation:as-Sameiu jalla jalaaluh
Meaning:THE HEARER, THE ALL-HEARINGHe who hears all thigns.
Related Verse From The Holy Koran:(He is) The Creator of the heavens and the earth. He hath made for you pairs of yourselves, and of the cattle also pairs, whereby He multiplieth you. Naught is as His likeness; and He is THE HEARER, the Seer.

Muzillu

Pronunciation:al-Muzellu jalla jalaaluh

Meaning:THE HUMILIATORHe who lowers and puts one in abasement and degradation.

Related Verse From The Holy Koran:Say: "O Allah! Lord of Power (and Rule), Thou givest Power to whom Thou pleasest, and Thou strippest off Power from whom Thou pleasest: Thou enduest with honour whom Thou pleasest, and Thou BRINGEST LOW whom Thou pleasest: in Thy hand is all Good. Verily, over all things Thou hast power.

Muizzu

Pronunciation:al-Moezzu jalla jalaaluh
Meaning:THE BESTOWER OF HONOUR, THE HONOURERHe who makes one glorious, gives dignity, and treats one with respect.
Related Verse From The Holy Koran:Say: "O Allah! Lord of Power (and Rule), Thou givest Power to whom Thou pleasest, and Thou strippest off Power from whom Thou pleasest: Thou ENDUEST WITH HONOUR whom Thou pleasest, and Thou bringest low whom Thou pleasest: in Thy hand is all Good. Verily, over all things Thou hast power.

Rafiu

Pronunciation:ar-Raefeo jalla jalaaluh

Meaning:THE EXALTERHe who uplifts, raises up.

Related Verse From The Holy Koran:He it is Who hath placed you as viceroys of the earth and hath EXALTED SOME OF YOU IN RANK ABOVE OTHERS, that He may try you by (the test of) that which He hath given you. Lo! Thy Lord is swift in prosecution, and Lo! He verily is Forgiving, Merciful.

Hafidu

Pronunciation:al-Khaafedu jalla jalaaluh

Meaning:THE ABASERHe who brings down, diminishes, decreases.

Related Verse From The Holy Koran:Lo! those who oppose Allah and His messenger WILL BE ABASED EVEN AS THOSE BEFORE THEM WERE ABASED; and We have sent down clear tokens, and for disbelievers is a shameful doom

Basitu

Pronunciation:al-Baasetu jalla jalaaluh
Meaning:THE EXPANDER, WHO ENLARGESHe who releases, gives plenty letting things expand.
Related Verse From The Holy Koran:... Make not thy hand tied (like a niggard's) to thy neck, nor stretch it forth to its utmost reach, so that thou become blameworthy and destitute. Verily thy Lord doth PROVIDE SUSTENANCE IN ABUNDANCE for whom He pleaseth, and He provideth in a just measure: for He doth know and regard all His servants. Kill not your children for fear of want: We shall provide sustenance for them as well as for you verily the killing of them is a great sin. Nor come nigh to adultery: for it is a shameful (deed) and an evil, opening the road (to other evils) ...

Kabidu

Pronunciation:al-Qaabidu jalla jalaaluh
Meaning:THE WITHHOLDER, WHO STRAITENSHe who constricts, restricts and gives want.
Related Verse From The Holy Koran:Who is he that will loan to Allah a beautiful loan, which Allah will double unto his credit and multiply many times? It is Allah that GIVES (you) WANT or plenty, and to Him shall be your return.

Alimu

Pronunciation:al-Aleiymu jalla jalaaluh

Meaning:ALL-KNOWING, KNOWERHe who has full knowledge of all things.

Related Verse From The Holy Koran:Lo! Allah! With Him is knowledge of the Hour. He sendeth down the rain, and knoweth that which is in the wombs. No soul knoweth what it will earn to-morrow, and no soul knoweth in what land it will die. Lo! Allah is KNOWER, Aware. (31:34)And with Him are the keys of the Invisible. None but He knoweth them. And HE KNOWETH WHAT IS IN THE LAND AND THE SEA. NOT A LEAF FALLETH BUT HE KNOWETH IT, not a grain amid the darkness of the earth, naught of wet or dry but (it is noted) in a clear record.

Fettah

Pronunciation:al-Fattaahu jalla jalaaluh

Meaning:THE OPENER, THE JUDGE1- He who opens the solution to all problems and eliminates obstacles. 2- The greatest judge, the one to decide.

Related Verse From The Holy Koran:Say: Our Lord will gather us together, then will He judge between us with the truth; and He is THE GREATEST JUDGE, the All-knowing. (34:26)...And whosoever keepeth his duty to Allah, ALLAH WILL APPOINT A WAY OUT FOR HIM. And will provide for him from (a quarter) whence he hath no expectation. And whosoever putteth his trust in Allah, He will suffice him. Lo! Allah bringeth His command to pass. Allah hath set a measure for all things.

Razzak

Pronunciation:ar-Razzaqu jalla jalaaluh

Meaning:THE SUSTAINER, THE PROVIDERThe bestower of all sustenance, He who gives the livelihood, He who provides all things beneficial to his creatures.

Related Verse From The Holy Koran:Allah is He Who created the heavens and the earth, and causeth water to descend from the sky, THEREBY PRODUCING FRUITS AS FOOD FOR YOU, and maketh the ships to be of service unto you, that they may run upon the sea at His command, and hath made of service unto you the rivers; And maketh the sun and the moon, constant in their courses, to be of service unto you, and hath made of service unto you the night and the day. And He giveth you of all ye ask of Him, and if ye would count the bounty of Allah ye cannot reckon it. Lo! man is verily a wrong-doer, an ingrate.

Vehhab

Pronunciation:al-Wahhabu jalla jalaaluh

Meaning:THE BESTOWERThe grantor of unlimited bounties, the most liberal giver, he who constantly bestows blessings of every kind.

Related Verse From The Holy Koran:Our Lord! Cause not our hearts to stray after Thou hast guided us, and bestow upon us mercy from Thy Presence. Lo! Thou, only Thou, art THE BESTOWER. Our Lord! Lo! it is Thou Who gatherest mankind together to a Day of which there is no doubt. Lo! Allah faileth not to keep the tryst. (On that Day) neither the riches nor the progeny of those who disbelieve will aught avail them with Allah. They will be fuel for Fire.

Kahhar

Pronunciation:al-Kahhaaru jalla jalaaluh

Meaning:THE DOMINANT, THE SUBDUERHe who dominates all things, and prevails upon them to do whatever He wills.

Related Verse From The Holy Koran:Never think that Allah would fail his messengers in His promise: for Allah is Exalted in power, - the Lord of Retribution. One day the earth will be changed to a different earth, and so will be the heavens, and (men) will be marshalled forth, before Allah, the One, THE IRRESISTIBLE.

Gaffar

Pronunciation:al-Gaffaaru jalla jalaaluh
Meaning:THE GREAT FORGIVERHe who is always ready to forgive, and forgives again and again.
Related Verse From The Holy Koran:If Allah had willed to choose a son, He could have chosen what He would of that which He had created. Be He Glorified! He is Allah, the One, the Absolute. He has created the heavens and the earth with the truth; He makes the night cover the day and makes the day overtake the night, and He has made the sun and the moon subservient; each one runs on to an assigned term; now surely He is the Mighty, the GREAT FORGIVER.

Musavvir

Pronunciation:al-Musauwweru jalla jalaaluh
Meaning:THE FASHIONER, MODELLER, SHAPER; THE BESTOWER OF FORMSHe who designs all things, giving each its particular form and character.
Related Verse From The Holy Koran:Allah... Surely nothing is hidden from Him in the earth or in the heaven. He it is WHO SHAPES you in the wombs as He likes; there is no god but He, the Mighty, the Wise.

Bariu

Pronunciation:al-Baereu jalla jalaaluh
Meaning:THE MAKEREvolver who created all things so that each whole and its parts are in perfect conformity and harmony.
Related Verse From The Holy Koran:And remember Moses said to his people: O my people! Ye have indeed wronged yourselves by your worship of the calf: So turn (in repentance) to your MAKER, and slay yourselves (the wrong-doers); that will be better for you in the sight of your MAKER. Then He turned towards you (in forgiveness): For He is Oft-Returning, Most Merciful.

Halik

Pronunciation:al-Khaaleku jalla jalaaluh
Meaning:THE CREATORHe who brings from non-being into being, creating all things in such a way that He determines their existence and the conditions and events they are to experience.
Related Verse From The Holy Koran:The Originator of the heavens and the earth! How can He have a child, when there is for Him no consort, when He created all things and is Aware of all things? Such is Allah, your Lord. There is no god save Him, THE CREATOR of all things, so worship Him. And He taketh care of all things. Vision comprehends Him not, and He comprehends (all) vision. He is the Subtile, the Aware. (6:101,102,103)The similitude of Jesus before Allah is as that of Adam; HE CREATED HIM from dust, then said to him "Be !": and he was.

Mutekebbir

Pronunciation:al-Mutakabberu jalla jalaaluh
Meaning:THE MAJESTIC, THE GREATESTHe who is above all, supreme in greatness. He who shows His greatness in all things and in all ways.
Related Verse From The Holy Koran:He is Allah, than whom there is no other God, the Sovereign Lord, the Holy One, Peace, The Keeper Of Faith, the Guardian, the Majestic, the Compeller, THE SUPERB. Glorified be Allah from all that they ascribe as partner (unto Him).

Cebbar

Tuesday, September 1, 2009

Pronunciation:al-Jabbaaru jalla jalaaluh
Meaning:THE COMPELLER1- He who has the ability, with force, to make people do whatever He wants. 2- He who repairs all broken things, who completes that which is incomplete.
Related Verse From The Holy Koran:He is Allah, than whom there is no other God, the Sovereign Lord, The Holy One, Peace, the Keeper of Faith, the Guardian, the Majestic, THE COMPELLER, the Superb. Glorified be Allah from all that they ascribe as partner (unto Him).

Aziz

Pronunciation:al-Aeziezu jalla jalaaluh
Meaning:THE MAJESTIC, THE MIGHTY ONEHe who prevails, and can never be conquered. Exalted in power, rank, dignity; incomparable; full of mighty and majesty; able to enforce His will.
Related Verse From The Holy Koran:Blessed is He in Whose hand is the kingdom, and He has power over all things, Who created death and life that He may try you which of you is best in deeds; and He is THE MIGHTY, the Forgiving, Who created the seven heavens one above another; you see no incongruity in the creation of the Beneficent Allah; then look again, can you see any disorder?

Muheymin

Pronunciation:al-Muhaiminu jalla jalaaluh

Meaning:THE PROTECTOR, THE GUARDIANHe who watches over and protects all things.

Related Verse From The Holy Koran:He is Allah, than whom there is no other God, the Sovereign Lord, the Holy One, Peace, The Keeper Of Faith, THE GUARDIAN, the Majestic, the Compeller, the Superb. Glorified be Allah from all that they ascribe as partner (unto Him).

Mumin

Pronunciation:al-Mu'menu jalla jalaaluh

Meaning:THE KEEPER OF FAITH; THE GIVER OF PEACE1- He who places faith in the heart of His servants. 2- Protects those who seek refuge in Him, and gives tranquility.

Related Verse From The Holy Koran:He is Allah, than whom there is no other God, the Sovereign Lord, The Holy One, Peace, THE KEEPER OF FAITH, the Guardian, the Majestic, the Compeller, the Superb. Glorified be Allah from all that they ascribe as partner (unto Him).

Selam

Pronunciation:as-Salaamu jalla jalaaluh
Meaning:THE PEACE; THE SOURCE OF SECURITY1- He who frees his servants from all danger and obstruction. 2- He who gives His greeting to those fortunate people in heaven.
Related Verse From The Holy Koran:He is Allah, than whom there is no other God, the Sovereign Lord, The Holy One, PEACE, The Keeper Of Faith, the Guardian, the Majestic, the Compeller, the Superb. Glorified be Allah from all that they ascribe as partner (unto Him).

Kuddus

Pronunciation:al-Quddoosu jalla jalaaluh
Meaning:THE HOLY ONEHe who is free from all error, absentmindedness, is free from incapability and from any kind of defect.
Related Verse From The Holy Koran:Whatever is in the heavens and on earth, doth declare the Praises and Glory of Allah; the Sovereign, THE HOLY ONE, the Exalted in Might, the Wise.

Melik

Pronunciation:al-Maleku jalla jalaaluh

Meaning:THE SOVEREIGN LORDHe who is the Ruler of the entire universe.

Related Verse From The Holy Koran:Now Allah be Exalted THE TRUE KING! There is no God save Him, the Lord of the Throne of Grace.

Rahim

Pronunciation:ar-Raheemu jalla jalaaluh
Meaning:THE MERCIFULHe who gives blessings and prosperity, particularly to those who use these gifts as He has said, and is merciful to the believers in the Hereafter.
Related Verse From The Holy Koran:He it is who sent down clear revelations unto His Slave (Muhammad), that He may bring you forth from darkness unto light; and lo! for you, Allah is Full of Pity, MERCIFUL.

Rahman

Pronunciation:ar-Rahmaanu jalla jalaaluh
Meaning:THE BENEFICENT, THE COMPASSIONATEHe who gives blessings and prosperity to all beings without showing disparity.
Related Verse From The Holy Koran:Your God is One God; there is no God save him, THE BENEFICIENT, the Merciful.

Home Loans For Native Americans

Thursday, July 16, 2009

Bank2 is pleased that as a 100% tribally-owned bank, we can offer our customers the personal touch they are looking for in a home loan. We offer dedicated professionals that know and understand the HUD-184 Home Loan program for Native Americans. We are the Nation's Leading Native American Home Lender and as such take care to offer each member of Indian Country the best services and programs around the country.

Regardless of where you live, we have the services and technology to offer you the best mortgage experience you've ever had throughout the nation.

HUD-184 Loan Program

HUD 184 loans are backed by the U.S. government, and are available for new construction, rehabilitation/renovation, refinancing, and purchase of existing homes. These loans feature competitive rates and terms as well as no mortgage insurance or hidden fees.

Eligible customers include:

American Indians or Alaska Natives who are members of a federally recognized tribe

Members of an Alaska Village and Regional Corporation (established pursuant to the Alaska Native Claims Settlement Act)

An Indian tribe

A Tribally Designated Housing Entity (TDHE)

An Indian Housing Authority (IHA)

Native American Direct Loan (NADL) Program

Program Description

The Native American Direct Loan Program makes home loans available to eligible Native American veterans who wish to purchase, construct, or improve a home on Federal trust land.

The home must be your primary residence.

(It’s also possible to use the program to re-finance an existing Native American Direct Loan.)

General Program Requirements

This program is designed specifically for Native Americans who want to purchase, build, or improve a home on Federal Trust Land.

Native Americans who may qualify for these loans include—

Veterans (including Reserve and National Guard members who were called to active duty)
Active duty service members
Current Reserve and Guard members (usually after 6 years of reserve service)

Commissioned Officers of the Public Health Service and National Oceanic and Atmospheric Administration are considered to be active duty members and veterans, once discharged.

Length-of-service requirements apply in most cases.

Veterans must have been discharged under conditions other than dishonorable.

In addition, you must either (a) be a Native American enrolled in an American Indian tribe or Alaskan Native village, a Pacific Islander or a Native Hawaiian; OR (b) be married to such a person.

You will need a valid Certificate of Eligibility (COE). You can get one from VA or from a lender using the Automated Certificate of Eligibility (ACE) program.

If you need to obtain your COE, contact a lender about obtaining your COE or download VA Form 26-1880, complete it and mail it (with proof of service) to our Winston-Salem Eligibility Center at:

VA Loan Eligibility Center
PO Box 20729
Winston-Salem, NC 27120

You can download the form at http://www.va.gov/vaforms/.

For overnight delivery:
VA Loan Eligibility Center
251 N. Main Street
Winston-Salem, NC 27155

Toll free number: 1-888-244-6711
E-mail: nceligib@vba.va.gov

Loan Terms
The interest rate is set by VA. The length of the loan is usually 30 years with payments due monthly. The length of the loan is usually 30 years with payments due monthly.

The maximum loan amount is the same as the Federal Home Loan Mortgage Corporation (also known as “Freddie Mac”) single-family conforming loan limit. That limit is currently $417,000 for loans made on Federal Trust land located in the 48 contiguous States and $625,000 for loans made on Federal Trust land in Alaska, Hawaii, and the South Pacific. Increases in these loan limits will be published annually, based upon the annual adjustment in the Freddie Mac conforming loan limit.

There must be a Memorandum Of Understanding (MOU) between the tribe and VA. The veteran or the veteran’s spouse must be recognized as Native American subject to the jurisdiction of the tribe which controls land. The tribe must be Federally-recognized, and the home must on Federal trust land.

Interest Rate Reduction Refinancing Loans (IRRRLs) may only be done if prior loan was a NADL and there is at least 1% difference in existing loan rate and IRRRL rate.

Your Next Steps

The following information will lead you to the next steps to apply for this benefit.

Application Process
The tribe must enter into a Memorandum of Understanding with VA and provide VA with copies of lease to be used (if tribal trust land) and tribal foreclosure ordinances. Veteran completes application, with VA’s assistance, if necessary, and submits application to VA. If approved, VA schedules closing at veteran’s convenience. If it’s a construction loan, VA makes staged disbursements, through escrow account, to builder. Funds are disbursed upon approved progress inspections. More information on this may be found at http://www.homeloans.va.gov, including copies of model MOUs, leases, & foreclosure ordinances.

You must meet basic program requirements, including the following:

The loan must be for the home you will live in.
The home must appraise for the loan amount or higher.
You must have enough income to meet your monthly mortgage payments, maintain the home, take care of other debts and obligations, and still have enough money left over to cover day to day expenses (food, gas, etc.)
You must also have a good credit history.

Loan Production

VA's Home Loan Program is for veterans and active duty military personnel (referred to as veterans throughout the rest of the document) and certain members of the reserves and National Guard. VA's program provides an excellent product and benefit for those individuals who have served or are serving to protect our families and our nation, as well as giving them a form of financing that will allow real estate professionals to sell more homes.

For those who are unfamiliar with the program, there are several advantages to using VA's Home Loan Program. The VA allows a veteran who qualifies income and credit-wise to purchase a primary residence without putting money down towards the sales price, as long as the sales price does not exceed the appraised value. Veterans do, however, need money towards closing costs and the earnest money deposit, which the seller generally requires when a sales contract is signed. Closing costs may be paid by the seller, which is an item to consider when the sales price is being negotiated.

Other benefits of using VA's program (other than the 100% financing of the sales price) include:

Loans are assumable, provided the person assuming the loan is qualified.
Veterans' closing costs are limited by VA.
Additional assistance is offered by VA should veterans have problems making their home loan payments in the future.
Prepayment of the loan without a penalty.
There is no Private Mortgage Insurance
Veterans must meet credit standards but loans are not “score driven”

Here are some quick facts you may find useful concerning purchase transactions:

VA does not have a maximum loan amount. However, lenders do sell loans on the secondary mortgage market, so they will generally limit loans to the VA limit for the county where the property is located. With a down payment, loans may exceed these amounts.
The veteran does have to qualify income and credit wise.
The veteran does have to occupy the home as their primary residence.
The veteran does not have to be a first time home buyer and may reuse his/her benefit.
The lender, not VA, sets the interest rate and discount points, so they may vary from lender to lender.
There is no private mortgage insurance, but VA does charge an up front VA funding fee, which may be financed. The exception to this is that if a veteran is in receipt of VA service connect disability payments each month, he or she does not have to pay a VA funding fee.
The seller can pay for closing costs. There is a requirement that seller concessions do not exceed 4%, but only certain items are considered as part of the concession; i.e., payment of pre-paids, VA funding fee, payoff of credit balances or judgments on behalf of the veteran, funds for temporary buydowns (not discount points).
The veteran is not allowed to pay for the wood destroying insect (termite) report; it is generally paid by the seller.
VA does not approve the majority of loans. The majority of transactions are handled directly by the lender with little VA intervention.

Here are additional items you may choose if you find them useful:

Certificates of Eligibility - What is needed, and how to obtain it.
Lost proof of service? Visit the National Archives and Records Administration.
Need to find lenders? Ginnie Mae

How much can the veteran afford (and other important factors)?

Please note that VA uses two methods for qualification purposes. The primary method of evaluating a veteran's income is the residual income method. Under this method, the underwriter determines that a veteran has sufficient income to cover day-to-day living expenses after paying housing expenses, taxes, and other debts such as car payments and credit card payments. VA also uses a debt-to-income ratio method like many programs. However, VA uses only one ratio which is the ratio of total debt (both housing and other debt) to income. To calculate the ratio, please go to the Ginnie Mae site.

Important: This is provided for informational purposes only. A VA approved lender is the best resource to see how large a VA loan the veteran truly qualifies for. The lender will look at income (amount and stability), credit and compensating factors involved when rendering a decision. VA also allows lenders to use certain approved automated underwriting systems.

Other Useful Links:

Ginnie Mae - This site will give you information on the process and calculators
HUD - Contains information on shopping for a home, closing costs and terminology
MBA (Mortgage Bankers Association of America) - Will give you information on the purchase process, calculators and real estate terms.
Freddie Mac (Federal Home Loan Mortgage Corp.) - Site will give you information about the purchase process and real estate terms.
FNMA (Fannie Mae) - Contains information on the purchase process.

Steps in the Process of a VA Home Loan:

There are five basic steps when obtaining a VA backed home loan. Although there are lots of details within each step and some may overlap, here is a basic overview of how the process works.

The veteran selects a home they are interested in. The purchase and sales agreement should contain a VA option clause. Sample wording for a VA option clause:
"It is expressly agreed that, notwithstanding any other provisions of this contract, the purchaser shall not incur any penalty by forfeiture of earnest money or otherwise of be obligated to complete the purchase of the property described herein, if the contract purchase price or cost exceeds the reasonable value of the property established by the Department of Veterans Affairs. The purchaser shall, however, have the privilege and option of proceeding with the consummation of this contract without regard to the amount of the reasonable value established by the Department of Veterans Affairs."
The contract must also allow the veteran to "escape" from the contract without penalty if he/she is unable to obtain a VA loan. Some veterans prefer to contact a lender to get "pre-qualified" (see how much they can afford) prior to searching for a home. Veterans may also apply for a certificate of eligibility prior to looking for a home or contacting a lender. Please review our site for information on certificates of eligibility and a listing of lenders.
Contact a lender to apply for the loan. At this point, if the veteran has not already obtained his/her certificate of eligibility, they will need to. The lender may be able to obtain it off the internet or the veteran may have to complete a form and send it to the eligibility center. In either case the lender will be able to assist in the procedures of how to obtain a certificate of eligibility. The lender will complete a loan application and gather supporting documentation, i.e., paystubs and bank statements. An important item for veterans to know is that lenders set their own interest rates, discount points and closing points.
The lender will "process" (develop) all credit and income information. Lenders are allowed to use VA approved automated underwriting systems. The lender will also order a VA appraisal. VA's appraisal is not a home inspection or a guaranty of value. It is an estimate of the market value as of the date the inspection is made comparing it to similar homes that have recently sold in that area. Although the appraiser does look for obviously needed repairs, VA does request that appraisers not address cosmetic items. VA does not warrant the condition of existing homes. The appraiser is a licensed individual who does not work for VA but is chosen by VA to assure his/her review is unbiased in any way. The lender can not request which appraiser to use, they are assigned on a rotation basis.
Upon receipt of the appraisal and all supporting documentation on credit, income and assets, the lender will "underwrite" the loan. It is the lender who reviews all the data collected and decides if the loan should be granted, developed for additional data or if the veteran does not qualify and must be denied. Although VA does "underwrite" some loans, it is very rare. The decision on whether or not to approve the loan is generally made by the lender.
The final step for loans that meet VA regulations and guidelines is the loan "closing" (when the transfer actually takes place). The lender chooses the title company, attorney or if their representative will conduct the closing. The title company, attorney or lender representative who will handle the closing will coordinate the date and time. If there are any questions during the process that the lender can not assist you with, please contact a VA representative.

Home Loan Guaranty Services

VA Direct Home Loans for Native American Veterans
Living on Trust Lands (On-Line Version)

WHO IS ELIGIBLE?

VA direct home loans are available to eligible Native American veterans who wish to purchase or construct a home on trust lands. Details on the military service requirements are spelled out below.

WHAT CAN THE LOAN BE USED FOR?

A VA direct loan can be used to purchase, construct, or improve a home on Native American trust land. These loans may also be used to simultaneously purchase and improve a home or to refinance another VA direct loan made under this program in order to lower the interest rate. VA direct loans are generally limited to the cost of the home, or the Federal Home Loan Mortgage Corporation single-family conforming loan unit, whichever is less. Contact a VA office with loan activities for information regarding the current loan limit and any other questions you may have concerning VA direct home loans. The addresses and toll free numbers of the VA office servicing your area can be found at the bottom of this page.

FIVE EASY STEPS TO A VA LOAN

Make sure that your tribal organization or other appropriate Native American group is participating in the VA direct loan program. The tribal organization must have signed a Memorandum of Understanding with the Secretary of Veterans Affairs, which includes the conditions governing its participation in the program.
Apply for a Certificate of Eligibility. A veteran who doesn’t have a certificate can easily obtain one by completing VA Form 26-1880, Request for a Certificate of Eligibility for VA Home Loan. This form should be mailed to the VA Eligibility Center, P.O. Box 20729, Winston-Salem, N.C. 27120. To contact the VA Eligibility Center, call toll free 1-888-244-6711.
Decide on a home to buy and sign a purchase agreement or a contract with the builder to build the home. Make sure to include in the contract a provision that makes the contract void if you are unable to obtain a VA direct loan.
Contact either your local housing authority or VA to apply for the loan. An appraisal of the property will be ordered, and you will be asked to provide information needed to verify your income and credit history.
Close the loan and move into your new home.

HOW TO GET A VA DIRECT LOAN

Who is Eligible?

Veterans who were honorably released from active duty service, during World War II and later periods are eligible for VA loan benefits. World War II (September 16, 1940 to July 25, 1947), Korean conflict (June 27, 1950 to January 31, 1955), and Vietnam-era (August 5, 1964 to May 7, 1975) veterans must have at least 90 days service. Veterans with service only during peacetime periods and active duty military personnel must have had more than 180 days active service. Veterans of enlisted service that began after September 7, 1980, or officers with service beginning after October 16, 1981, must in most cases have served at least 2 years.

Persian Gulf Conflict. Basically, reservists and National Guard members who were activated on or after August 2, 1990, served at least 90 days and were honorably released from the period of activation are eligible.

Reservists. Members of the Selected Reserve, including the National Guard, who are not otherwise eligible and who have completed 6 years of service and have been honorably discharged or have completed 6 years of service and are still serving, are eligible. Ask VA about what is needed to establish eligibility. Reservists will pay a slightly higher funding fee than regular veterans. (See paragraph entitled "Costs of Obtaining a VA Direct Loan.")

VA DETERMINATION OF REASONABLE VALUE

The maximum loan amount may not exceed VA's estimate of the reasonable value of the property to be purchased. A qualified appraiser assigned by VA will perform the appraisal and make this determination. An application fee, collected from the veteran at the time of loan application, will be used to pay for the cost of the appraisal and for other expenses connected with the processing of the loan.

It is important to recognize that VA does not guarantee the value or condition of the property. Homebuyers should carefully inspect the property themselves, or have it inspected by a reputable inspection firm.

Loan Application

Contact either your local housing authority or VA to apply for the loan. The party processing the loan verifies the applicant's income and assets, and obtains a credit report to see that other obligations are being paid on time. If VA office reviewing the package determines that all is well and the appraised value of the property is enough to cover the loan needed, the loan will be approved and a date set for loan closing.

REQUIREMENTS FOR LOAN APPROVAL

To obtain a VA direct loan, the law requires that:

The applicant must be an eligible Native American veteran who has available entitlement.
The tribal organization or other appropriate Native American group must be participating in the VA direct loan program. The tribal organization must have signed a Memorandum of Understanding with the Secretary of Veterans Affairs, which spells out the conditions under which the program will operate on its trust lands.
The loan must be to purchase, construct, or improve a home on Native American trust land. Individually allotted land is considered trust land for this purpose.
The veteran must occupy the property as his or her home; a loan for rental or investment purposes is not permitted.
The veteran must be a satisfactory credit risk.
The income of the veteran and spouse, if any, must be shown to be stable and sufficient to meet the mortgage payments, cover the other costs of owning a home, take care of other obligations and expenses, and have enough left over for family support.
All prospective applicants are encouraged to first contact either their local housing authority or VA to discuss their financial situation and obtain a general idea of whether or not they might qualify for a home loan.

COSTS OF OBTAINING A VA DIRECT LOAN

A funding fee of 1.25 percent must be paid to VA unless the veteran is receiving compensation because of a service-connected disability. In the case of veterans who qualify based on service in the Reserves or National Guard, which was not active duty, the funding fee is 2 percent of the loan amount. The funding fee may be paid in cash or it may be included in the loan.

Other closing costs may not be included in the loan. Closing costs may vary because of differing local laws and customs. The following items may be paid by the veteran purchaser, the seller, or shared:

VA appraisal
Credit report
Loan processing fee of up to $300 to a party who processes your loan
Title search and title insurance or other title review fee
Recording fees
State and/or local transfer taxes, if applicable,
Survey
Hazard insurance premium

No commissions, brokerage fees, finders fees, or "buyer broker" fees may be charged to the veteran buyer.

Native Americans and Mortgages

American Indians, while still falling below many minorities, have several avenues open to them to facilitate acceptance of mortgage applications. The Federal Govt. has established these agencies in response to problems American Indians may face when applying for a traditional mortgage. American Indians can face extraordinary difficulties in obtaining a traditional mortgage due to economic depression in tribal lands and unfair lending practices.

HUD provides Native American’s with recourse to mortgages through the establishment of its Office of Native American Programs, or ONAP. ONAP offers American Indians several options in mortgage types, loan duration, interest rates and amount of down payment. HUD’s ONAP can be accessed through mail, in person or through Web access; in addition, many websites offer a rundown of the benefits of ONAP’s loans providing valuable information to American Indians interested in HUD’s mortgage loans. Some of the benefits from using HUD’s One Stop Mortgage Center are zero down payment, potential refinancing, mobile home financing and veterans programs.

A partnership between the Native American Bank, LenderLive and Greenpoint Mortgage has resulted in turnkey home mortgages for American Indians for a number of purposes like rehabilitation, refinancing and home buying. This partnership provides American Indians with great resources to help in getting a home loan. The Native American Bank is now in position to be the number one lender to American Indians and to reap the rewards of serving this growing sector of the industry.

The Fannie Mae Organization has also created mortgage programs for Native Americans. These do not have as broad a spectrum as the HUD loans and some of the terms may be somewhat less attractive but they are quality mortgage loans offered at good rates. The Fannie Mae organization is a well respected entity in the nation, providing loans and mortgage information to people nationwide.

Freddie Mac also has a specialty division to assist American Indians with attaining a home mortgage.
They provide access to HUD loans and several other programs designed to help Native Americans. This institution provides information to help Native Americans understand the options available to them and the difference between what once was and what the industry has become today.
Home loans to Native Americans consistently fall behind mortgages to whites and several other minorities. The programs listed above were designed with this in mind, to bolster the numbers of American Indian’s successful loan applications. Traditionally, American Indians have been poorly received by many institutions due to tribal autonomy, poor economy in tribal lands and other issues of concern.

One of the factors behind Native Americans’ difficulty in obtaining mortgage loans is the situation on tribal lands. Many times, the economy of these lands is depressed, leading to low paying jobs and high unemployment rates. The American Indians have begun a promising change, however. Jobless rates, though still worse than national levels, are plunging. Social reforms, land acquisition and internal tribal change are revitalizing tribal lands and thus the economy and feasibility of acquiring home loans. Many groups are beginning to recognize the potential of the Native American peoples and are actively courting their interest.

How to Reduce Your Mortgage

One Additional Mortgage Payment a Year

There's a simple trick to significantly reduce the length of your mortgage and save you thousands of dollars. The trick is to make one extra mortgage payment a year and apply that payment toward your loan's principal.

This is the method being used by "Bi-Weekly Mortgage Reduction Services" and "Bi-Weekly Mortgage Savings Programs". Only, when you do it yourself, you don't pay a third party unnecessary set-up costs and fees!

Example: $100,000 loan, 30-year mortgage, 6.5% fixed interest rate

Extra Mortgage Payments/ Year	Principal & Interest	Additional Monthly Payment	SAVINGS	Total Paid	# of Years
0	$632.07	0	0	$227,542.98	29.92 / 359 mos.
1	$632.07	$52.68	$29,088.02	$198,454.96	24.12 / 290 mos.
2	$632.07	$105.35	$28,399.71	$181,050.85	20.5 / 246 mos.
3	$632.07	$158.02	$58,320.95	$169,222.03	17.92 / 215 mos.
4	$632.07	$210.69	$66,969.79	$160,573.19	15.92 / 191 mos.
5	$632.07	$263.36	$73,607.77	$153,935.21	14.34 / 172 mos.

One-time Payment

It may not be possible for you to increase your monthly mortgage payment. Keep in mind that most mortgages will permit you to make additional payments to your principal at anytime. Perhaps, five-years after moving into your home you receive a larger than expected tax return, or an inheritance or a non-taxable cash gift. You could apply this money toward your loan's principal, resulting in significant savings and a shorter loan period.

Example:

With a $100,000, 30-year, 6.5% fixed interest rate mortgage loan, the borrower will pay a total of $227,542.98 to pay back the loan in 30 years. That equals $127,542.98 in interest payments.

If the same borrower makes a one-time $5,000 payment the first day of year 6, he/she will pay a total of $204,710.75 and pay off the loan in 27 years (324 months). That's a savings of $22,832.23 in interest.

American Homefront Mortgage

American Homefront Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Needler Home Loans

An overview of the loan process

Make no mistake, there's a lot involved in getting a mortgage loan. You wouldn't be here on our website if you could fill out a one-page application and get the best loan for you funded the same day. What we do is do most of the heavy lifting for you, so you can concentrate on what's important -- preparing to move into your new home, saving money, or making plans for your home equity check.

There are four main steps involved in getting a loan. You'll see that we've made your part in them as easy as possible, and we do all the work! That's what we're here for.

Step one: determine how much you can borrow

This is a function of a couple things. How much of a monthly payment can you afford? And given your unique credit and employment history, income and debt, and goals, how much will a lender loan you? The first part you can get a rough idea of by using the calculators on our website. We'll also help you through different scenarios by asking a few simple questions. Based on standard lender guidelines, we'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

Step two: pre-qualify for your loan

This is where the rubber meets the road and you save the most money. You supply information about your employment, your assets, your residence history, and so on. We get your permission to run your credit score. When we review all this information we give you a Pre-Qualification Letter. Handle it with care -- to a home seller, it's like a suitcase full of cash! Your realty agent will use your Pre-Qual (as they may call it) to make the best offer on the home you choose, and the seller knows you're pre-qualified. It gives you buying clout! And while you're picking out the home that's right for you, we're busy finding the loan that's right for you.

Step three: apply now! We make it easy

Once you've made an offer and it's been accepted, it's time to complete the loan application. It couldn't be easier, and you can do it online, right here at our website. When the time is right, we'll order an appraisal of your new home.

Step four: your loan is funded

Your realty agent and the seller's will work together to designate an escrow/title company to handle the funding of your loan once it's approved. We'll coordinate with the escrow company to make sure all the papers your lender will need are in order, and you'll sign everything at the escrow/title company's office.

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