Tag: home

Does charcoal whiten your teeth? #teeth #whitening #treatments, #teeth #whitening, #whitened #teeth, #charcoal #teeth

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Does charcoal *really* whiten your teeth?

Charcoal has quickly become the go-to ingredient to whiten teeth. And if YouTube or Instagram testimonials are anything to go by, the answer to it working is a resounding ‘yes’. But does it really work the miracles that it promises as a natural teeth whitener and is it safe to use? We spoke to dentists Dr Adam Thorne REGENERATE Enamel Science Dental Ambassador and Dr Richard Marques to find out whether charcoal really is an effective teeth whitener and explore whether other natural whitening products actually work.

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How does charcoal actually work?

The most effective type of charcoal is the activated form. a reheated, oxidised version of the charcoal that you put on the BBQ. The theory is that activated charcoal has an adhesive quality that binds to everything in its path, such as stains, tartar and bacteria, and works by drawing out and absorbing toxins and chemicals into its millions of tiny pores. Dr Thorne says:

“Activated charcoal’s enormous surface area is dotted with the numerous nooks and crannies that draw in and trap toxic substances including stains on teeth. It can be brushed on or rinsed around the teeth.”

But by all means don’t use charcoal from the BBQ, the non-activated form, as it can be toxic, warns Dr Marques.

Women with better oral hygiene live longer, study says

But does charcoal really whiten teeth and is it safe?

“Charcoal works and is an effective way to help clean and whiten your teeth. It’s one of my top tips on whitening your teeth at home,” says Dr Marques. He recommends using activated charcoal powder, toothpaste or mouthwash.

However, some dentists warn against using this method of teeth whitening and say that charcoal may lead to enamel deterioration and tooth erosion. According to Dr Adam, there’s actually no evidence to date that activated charcoal does any good for your teeth.

“I’d be concerned about the potential damage that the grainy, gritty substance can do to your teeth and gums – and like any abrasive, I’d be worried about the effects on the gums and enamel on the teeth. We simply don’t know about the safety and effectiveness of it. If you want a gleaming white smile, I’d always recommend talking to your dentist first about using traditional whitening toothpaste for surface stains or specific whitening treatments for deeper stains or discolouration.”

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8 myths and facts about natural whitening products

When it comes to teeth whitening, Brits spend more than 100 million a year on products alone. We all know the usual culprits that stain our teeth, such as smoking, drinking red wine and coffee, but what’s the truth behind natural teeth whitening products?

1. Strawberries: FACT

Strawberries have an abundance of a ‘magic’ malic acid, which naturally cleans and whitens the teeth, even though they’re red, advises Dr Marques.

They do however contain citric acid, which can weaken the surface hardness of your teeth, says Dr Thorne. But the riper the strawberry becomes, the higher the concentration of malic acid compared to the more harmful citric acid. He recommends:

“So if you use strawberries as a teeth whitener, choose a really ripe strawberry, rub it on your teeth and just like exfoliating the skin, it does remove superficial debris. The malic acid won’t actually break down the stain molecules, but the surface clean gives your teeth a whiter appearance.”

2. Coconut oil: FACT

This technique, also known as oil pulling, is likely to lessen the bacterial load in the mouth and has been shown to improve the health of the gums and whiten teeth, says Dr Thorne. “It’s unique because it contains predominantly medium chain fatty acids of which 45 to 50% is auric acid, which has proven anti-inflammatory and antimicrobial effects. Swishing the oil between your teeth can also dislodge and retained food particles.”

Dr Marques recommends using the oil as a mouthwash for two to three minutes, which will lubricate the teeth and draw out impurities.

3. Green tea: MYTH

Green tea will actually stain your teeth, says Dr Thorne.

“It contains plant compounds, known as tannins, which increase the staining potential. This means it is acidic and will break down the enamel on teeth. Once enamel is broken down, pigmented molecules can attach to your teeth easily, and this, of course, leads to stains.”

4. Baking soda: FACT

Baking soda is a natural teeth whitener, says Dr Marques. It can help to whiten teeth through its alkaline cleansing action, and is now included in many toothpastes. He suggests mixing a quarter of a teaspoon of baking soda with water and applying this to your teeth with your toothbrush.

How to cope with extreme dental anxiety

5. Salmon: MYTH

Salmon can’t actually whiten your teeth, although Dr Thorne recommends eating it to keep your teeth healthy. He explains:

“Salmon is a good ‘white food’ (i.e. it can be eaten after whitening), and it also contains calcium and vitamin D, which is good for healthy teeth and bones.”

6. Apples: FACT

Apples, much like strawberries, contain malic acid, and along with their abrasiveness can help to whiten teeth. Dr Thorne says:

“The mildly acidic nature and stringent quality of apples, combined with their rough, fibre-rich flesh, could help cleansing and brightening of teeth.”

7. Lemon juice: MYTH AND FACT

Citrus is cleansing and can help to maintain white teeth, says Dr Marques. But using lemon juice actually isn’t recommended as it’s very damaging to the tooth surface and can lead to increased sensitivity and staining as the enamel is worn away, advises Dr Thorne:

“Lemon juice has been mixed with baking soda as a home-made whitening paste. But lemon juice is very acidic causing enamel erosion and the baking soda is very abrasive causing tooth wear.”

8. Cheese: FACT

Cheese can mechanically clean teeth. as it’s a natural cleanser, says Dr Marques. It has the added bonus of strengthening the tooth enamel and structure due to it being high in calcium. But opt for hard cheeses, such as cheddar, and be careful of blue and soft cheeses, which can cause breath odour, he advises.

How to choose the right mouthwash for you





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Business Class #business #class #internet #at #home

#Judith Osborn is ontwerper, programmamaker en ondernemer. Haar stelling is: ontwikkelingen vinden alleen plaats op een basis van creativiteit. Creativiteit doet ertoe. Wellicht nu meer.

  • Suze brengt deze week een bezoek aan het Zeeuwse eiland Walcheren waar aan de oever van het Veerse Meer een luxe vakantieresort verrijst. Harbour Village het Zilveren Schor ontwikkelt.
  • De populariteit van de digitale piano is in de afgelopen jaren enorm toegenomen. Frans Poppeliers presenteert dan ook vol trots de gloednieuwe Physis digitale piano die in Itali .
  • Internationaal meubelspecialist Willem Hoefakker spreekt met Harry over de meubelbranche en Italiaanse designbanken. In Nederland zijn er tien vestigingen van Chateau d Ax en twee.
  • Op dit resort in het prachtige Hellevoetsluis, dichtbij de Zeeuwse stranden, zijn nog enkele kavels met vrij uitzicht te koop. Dit weekend is een aantal showmodellen zeer gunstig.
  • Bij Harry aan tafel geeft Thierry Baudet een update van de politieke beslommeringen en de moeizame kabinetsonderhandelingen in Den Haag. Na de verkiezingsuitslag van 15 maart jl. zei.
  • Martine Hafkamp bespreekt deze week met Harry de financi le markten en winstgevendheid van beursgenoteerde bedrijven. Fintessa is een zelfstandige, actieve en onafhankelijke.
  • Na vijf jaar culinaire concepten in Azi te hebben opgezet is chef Marco Westmaas terug in Nederland. De chef-kok is neergestreken op historisch landgoed Parc Broekhuizen in.





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    Set Up a Budget Home Office on a Shoestring #home #office #desk #and #chair

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    Get a Budget Home Office Set Up on a Shoestring

    Thomas Barwick/Iconica/Getty Images

    With so many people working from home these days, a home office has become an essential space in many homes. The guest room may be replaced by a work-at-home spot, and it s important that all the elements contribute to a productive time.

    Not everyone has a big budget for outfitting a home office and few people can pay to have a professional space planner come into their home to design an efficient home office space.

    There are lots of ways to create a good space for working at home without spending a fortune. We ll give you some ideas, and you can go from there. You may end up feeling a great sense of accomplishment after turning some wasted space into an efficient stay-at-home office.

    If you re lucky enough to have a separate room for your home office, the task won t be so hard. The key to a good home office is to make use of whatever space you have, whether it s a stair landing, a small closet, a spare room, or an unused corner of the living room. For greatest efficiency, find a space that can be dedicated to a home office area. You ll be able to work more professionally if you don t have to move papers off your desk to change diapers!

    It might be tempting to just move the pieces around until the space works. But if you spend some time actually measuring your space, creating a floor plan (small as it might be), measuring your furniture, and thinking it through, the final result will be much more satisfactory.

    Whatever work you can do yourself will save you money! Your home office space is probably not going to be too big, so consider painting the walls yourself. Adding a fresh, lively color or a sedate, calming color will set the tone for your work space. And if you re not a pro at painting, never fear. Most of the space will be covered up with furniture anyway. If you re feeling really creative, stencil a border around the desk. Or wallpaper one wall to define the space.

    Can you move furniture or accessories from one part of the house to your new home office? If you don t have to buy some pieces, you ll save a lot! Is there a comfortable chair in the guest room? Do you have some pictures tucked away in a closet that would be inspiring and decorative on the walls of your work space? Look around to see what you can use in your new home office.

    Did I lose you here? My office is on a large landing between my first and second floors. I placed filing cabinets on each side of the space and put a board across them. Voilà! Instant desk. Of course, I spent some time staining the board, put molding on the edge, and painted the file cabinets a color close to the stained board. But the space if filled and holds everything I need it to.

    Think of other ways you can use inexpensive materials to create shelves, filing systems, in-and-out boxes. Use a decorative flower pot to hold pencils and scissors. Buy several multi-level shoe shelves to put on top of the desk to hold a printer, some paper, or books.

    As you plan you home office space, think of all the ways you can save money. There will be plenty of ways to spend it!

    You d be amazed what you can find at garage sales, flea markets, consignment shops, and thrift stores. It seems that people are always getting rid of book shelves and desks, and you might find just what you need. Clean off the pieces, sand them down, and paint all the items the same color. It will look as though you bought them to match. If you don t want any hand-me-downs, keep your eye open for furniture sales or check web sources.

  • Be Willing to Take Used Furniture

    Visit professional offices to see if they are renovating. Quality hotels redecorate guest rooms every 4 or 5 years. Maybe you could buy a used desk or chair there. Does your own company have any extra furniture that s not being used, since people are working at home? Ask neighbors to let you know if they re getting rid of things.

    Look for a used furniture store or a furniture rental store. They often have pieces they re willing to sell. Be ready to do some fixing when you take the pieces home. Check to see if your community has a store that sells used office furniture exclusively. When you go shopping for furniture, be sure to take your measurements with you. It would be a shame to get a great price on a great desk, only to find that it doesn t fit in your space.

    Discount stores, home centers, furniture outlets, lighting showrooms, and home decorating centers offer an amazing assortment of items at deeply-discounted prices. You might be surprised to find a beautiful desk next to factory second towels. And everything is at prices you ll love!

    Consider trading pieces of furniture with a friend. If you have a dining table that doesn t fit in your home, how about trading it for a desk that you need? Or do you have children s furniture that a neighbor can use in exchange for book shelves? Consider swapping services for furniture, too. Offer your decorating skills in exchange for a chair. Or make some curtains for a neighbor who could build you a desk. Everyone has something of value that they can offer.

    Find other ideas for do-it-yourself office makeovers, such as those offered on HGTV.com. See our sources for Home Office Ideas or Office Furniture.

    If you re working full-time at home, be sure to include adequate lighting, music, and comfortable seating. Bring in plants and inspiring artwork. After all, you might be spending a lot of time in this new home office. It should be a comfortable space that you enjoy spending time in.





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  • Gateway Insurance Agency in Oceanside, California #oceanside, #ca #car #insurance, #oceanside, #ca #home #insurance,

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    Get a Quote

    Don’t worry about your insurance. That’s our job.

    Founded in 1990, Gateway Insurance Agency is an independent insurance agency specializing in auto and home insurance. Our agents are highly experienced and knowledgeable with decades of service in the industry. Unlike the big box feel of other agencies, Gateway offers a high level of personalized service to each of our clients.

    Homeowner Insurance
    Do you have the right amount?

    It’s important to know if you have enough coverage on your home and our agents can help.
    Request a quote online

    Insuring Your Car
    How much car insurance?

    Everyone is unique, so it’s hard to know if you have the right coverage without talking to a licensed agent. Request a quote or call us for help.

    Apartment living can have many advantages: low maintenance, close to work and entertainment, and ease of changing residence. But, if you’re a dog owner, apartment living can present some difficulties. You probably won’t have your own yard for him to. read more

    Quality Insurance
    Coverage you can trust

    With several of the largest and most respected companies, we’re confident we can find the best coverage and rates for you.





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    Home Party Business Opportunity #market #news #today

    #home party businesses

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    Home Party Business Opportunity

    Opportunities in the home party business are plentiful and the industry continues to expand. In these tough economic times, people seek opportunities to make additional income, or to replace lost income. The home party plan business works in good times and bad, but is it right for you?

    Prior to starting your business, you should take a few moments to look inward. Determine if this business model is right for you and if you have the right stuff for this business. You can make a good living, work your own hours, and have time for your children and family when you work in the direct sales industry.

    Are You a Good Fit For the Business?

    To be a good fit for the home party business. you must ask yourself if you enjoy speaking in front of a group. You should also consider how you feel about giving product presentations and selling a product line. If you are reluctant to speak in front of a small group or to sell products, or you get the shakes just thinking about it, you might want to look for another line of work.

    Marketing is an essential part of a home party business. You will have to promote and market your business. You will have to place ads, call people on the phone, hand out business cards, attend business group meetings and community functions, and constantly look for new ways to promote. Marketing never ends; marketing is an everyday component of the business and is the key to a successful career in home party plan selling. If the thought of selling gives you a migraine, this line of work is definitely not for you!

    Before you start your business, you should decide if you want to work part-time or full-time. This business is the perfect choice no matter which you choose. You may opt to start part-time and then switch to full-time when you discover how much you enjoy it!

    The last thing you need to do is select a product line. You should find products that you truly enjoy using. Your enjoyment will serve as an excellent selling point and motivate others to buy. There are so many different products to choose from: jewelry, kitchen aids, make-up, housewares, arts and crafts, lingerie, and adult products. Finding a product line you believe in will make selling so much easier!

    Home Party Business Is Simple

    The home party plan business is simple, but not easy. It is simple because you work with a company that supplies the products and basic marketing materials. It is not easy because owing a business is never easy. Building and running a successful business takes plenty of time and effort. However, if you want a business that offers the chance to make money, meet people, earn respect, and have fun while you work the home party business is the way to go!

    When you take the time to invest in your education by participating in home party plan training then you will surely reach your goals working from home.

    Deb Bixler retired from the corporate world in 2000 to enjoy life as an entrepreneur. In the first 9 months as a home party direct seller she built a home business and sales team which provided her with an income capable of replacing her corporate business salary of $80,000 per year. Deb manages the largest FREE home party plan resource center on the web. She is the creator of the CashFlowShow Game which provides affordable duplicate-able training to improve team retention and is the host of the weekly CashFlowShow – Direct Sales Radio show. Deb was recognized in the 2009 2010 Direct Sales Power 50 as one of the most influential people in direct sales worldwide and received the 2011 Direct Selling Women’s Alliance Speaker Of The Year award.

    Why does Deb s bio state that she manages the largest FREE home party plan resource center on the web , yet the site that this statement links to appears to charge for every piece of advice it offers? Maybe the free stuff is slyly hidden somewhere on the site, or maybe the statement is just intentionally deceiving either way it s disappointing and obviously misleading. On the other hand, it proves she s mastered the savvy sales tactics, doesn t it? The only fail here is allowing the customer to spot that trick or tactic. Here s some real, free advice for sellers: be honest and treat your customers well. Otherwise, beware of backfire!

    The website Cash Flow Show has over 500 pages of free training including the blog and the daily radio show.

    Sorry that you find that deceiving. Actually we received an award as one of the top 3 blogs worldwide for direct sellers.

    It was not meant to be a trick or tactic. Sorry you were disappointed!





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    Home & Auto Insurance – Salt Lake City UT #insurance, #auto #insurance, #home #insurance,

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    Welcome to our site!

    Since 1982, Tebbs Brothers Insurance Group, Inc. has delivered quality insurance solutions to individuals in Utah and the surrounding states, specializing in Auto, Homeowners and Business insurance coverage. Our team of trusted insurance professionals is committed to helping you find a policy that fits your needs. We focus on providing personalized attention and exceptional customer service to create an experience that’s difficult to find in today’s market. At Tebbs Brothers Insurance Group, Inc. we’ll work with you to ensure that you and those you care about most are protected.

    Our Providers

    Testimonials

    Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

    I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

    Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

    Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

    They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.





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    Home Based Business for Sale NZ, Small work from home NZ Businesses for Sale

    #home business opportunities

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    Home Based Businesses for Sale

    Search over 3,000 Businesses for Sale New Zealand wide. or subscribe to our very latest NZ businesses for sale. Before you buy a business contact several sellers of the businesses for sale NZ that interest you, to learn what s on offer and become better informed.

    Looking for a Large or Small Home Based Business for Sale NZ or Home Based Business Opportunities NZ? Search through 72 Home Based Businesses for Sale on NZ Biz Buy Sell, and check out New Zealand’s leading Small Business for Sale NZ listings.

    Find a work from Home countryCode] opportunity or choose from over 2500 businesses for sale New Zealand wide. Looking to list your Home Based Business NZ for Sale? See how to sell a Home Business

    Save this search (“Home Based Businesses for Sale”) and email me the latest listings.

    Saved Searches

    Businesses for Sale

    Search Results

    • New business partner Require Business for Sale | New Zealand | $15,000

    HUGE ROI 250% within a year. Golden opportunity in NZ for one selcted business person. [more. ]

  • Training and Development Industry Business for Sale | NZ Anywhere

    Onine Home Based Business. Vritually Recession Proof! [more. ]

  • Coffee News Business for Sale | Palmerston North and Wanganui | $8,000

    Two areas, Palmerston North and Wanganui. Coffee News is the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

  • Advertising Service Business for Sale | Invercargill | $8,000

    Coffee News is the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

  • Advertising Service Business for Sale | Queenstown | $8,000

    Queenstown Coffee News. Become part of the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]

    Mobile lunch bars capable of significant expansion and / or franchising [more. ]

  • Equipment sale, hire and servicing Business for Sale | Auckland | $680,000

    Home based, beauty industry equipment [more. ]

  • Boarding Cattery Business for Sale | 136a Osborne Rd, Hamilton

    Home and Business Tender Closes 2pm, 21st September 2016 Harcourts 143 Ohaupo Road, Hamilton [more. ]

  • Portable Online Self Employment Wellington Business for Sale | North Shore Wellington

    Portable Online Work From Home Global Business. Create Your First $100k Online. [more. ]

  • Advertising Service Business for Sale | Gisborne | $8,000

    Coffee News is the world’s most popular restaurant publication and has been operating in New Zealand since 2001. [more. ]





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  • Direct Sales Opportunities – Home Based Business #business #catalyst

    #home business opportunities

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    Opportunity

    Fun, Freedom and Fulfillment

    WorldVentures has made a commitment to being the most-trusted name in the direct-selling industry through our transparent business processes and open management philosophy. WorldVentures is dedicated to helping our Independent Representatives live richer lives: to enjoy unique travel and leisure experiences; to earn extra income doing something they love; and to help others improve their lives.

    Passionate About All Things Travel ?

    We invite you to explore the rich opportunities available as a WorldVentures Independent Representative. Through our direct-selling model, WorldVentures provides you with everything you need to market and sell vacation and lifestyle memberships and other related products and services. You can work full or part time from home or anywhere in the world .

    Fun, Freedom and Fulfillment !

    Thanks to its commitment to superior value, its innovative products and its good corporate citizenship, WorldVentures has become one of the world’s largest vacation and entertainment direct sellers. With a network of Independent Representatives spanning 28 countries and growing, the company offers a unique opportunity to earn income doing what you love. In other words, you can Make a living. Living!

    Mobile-Preneurship

    Thanks to our pioneering “mobile-preneurship” business philosophy, Representatives enjoy low startup costs and access to social media tools, technology and training to help them easily conduct business from anywhere in the world.

    Why the direct-selling model?

    From storefronts to online sales, why has WorldVentures selected the direct-selling route? WorldVentures has opted for a direct-selling approach because, by its very nature, vacation planning is a very personal, considered process. WorldVentures Independent Representatives are committed to helping our customers make the right membership choices for themselves and their families. With distinct vacation and lifestyle club options and a vast array of vacation and local experiences to choose from, we believe the hands-on approach serves our customers best.

    1. It is illegal for a promoter or a participant in a trading scheme to persuade anyone to make a payment by promising benefits from getting others to join the scheme.

    2. Do not be misled by claims that high earnings are easily achieved.

    Interested in Joining the one of the Largest Vacation and Entertainment Direct-Selling Networks in the World?





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    Home Security in Columbus, GA #home #security #ga

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    Home Security Columbus GA

    Home Security Columbus GA

    Protecting the Residents of Columbus, GA

    At ADT, we understand that the most important service we can offer to you is to protect the security and tranquility of your family and home. To us, this means more than just installing a home security system in your Columbus, GA home. We have been the leading home security company for over 140 years. At ADT, we are also leaders among home security companies in Columbus, GA developing home automation systems that work in conjunction with our home security alarms. You can be assured that your home is monitored and secure, 24 hours a day/365 days a year, no matter how far you may be from Columbus, GA. We ensure your home is monitored and secured for a variety of disasters including:

    • Burglary
    • Flooding
    • Fire and Smoke
    • Carbon Monoxide
    • Temperature
    • Medical Alerts

    Reliable Home Security Systems with the Latest Technology Innovations

    The ADT home security systems installed in Columbus, GA are more advanced and more effective than ever when paired with Pulse – our cutting edge home automation service. The Pulse home automation control smartphone app gives you full access to your security alarm and household functions from the palm of your hand, whether you’re in Columbus, GA or anywhere else your life takes you. From the comfort of your smartphone you can easily manage your home security with the ability to:

    • Arm and Disarm the System
    • Receive Security Alerts
    • Adjust Your Thermostat
    • Control Lighting and Appliances
    • Lock and Unlock Doors

    Pulse home automation means you never have to worry about forgetting to turn off appliances, setting the alarm, or walking into a dark empty house, and the service is matched by ADT’s dedication to giving you the fastest response when your security alarm is triggered. The best part is that all these home security services in Columbus, GA are affordable for the everyday home, condo, apartment, or townhome owner. The peace of mind which ADT security systems provides, by ensuring your family and home are safe, is invaluable. We invite you to compare our home security alarms, systems, and automation can provide peace of mind at a price you can afford.

    Security Camera and Surveillance Systems

    Keep an eye on your home, pets and loved ones with trust-worthy security cameras and surveillance systems. Your surveillance system will automatically start recording if your alarm is ever triggered, and notifications are pushed to your smartphone or tablet. Not only do these investments provide peace of mind, they can also assist with discounts on your homeowners insurance.

    Columbus Home Automation Services

    Easily manage your security, lifestyle and home all from the palm of your hand with our home automation services. Our Pulse system is designed to help you control your living environment, whether you’re home or not. Keep your home safe and your family comfortable by easily adjusting the lighting, temperature and even your home security system. Learn more about Home Automation Solutions.

    Smart Home Technology in Columbus

    Easily maintain control of your home and improve your quality of life with this convenient technology. This provides a simple solution for monitoring all aspects of your home, regardless of where life takes you, from safety (by seeing who is at your front door) to energy consumption. Smart home systems are great for all living situations whether you live in a house, condo, apartment or mobile home.

    Location Information





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    Loan Limits – VA Home Loans, home loan maximum amount.#Home #loan #maximum #amount

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    VA Home Loans

    VA does not set a cap on how much you can borrow to finance your home. However, there are limits on the amount of liability VA can assume, which usually affects the amount of money an institution will lend you. The loan limits are the amount a qualified Veteran with full entitlement may be able to borrow without making a downpayment. These loan limits vary by county, since the value of a house depends in part on its location.

    The basic entitlement available to each eligible Veteran is $36,000. Lenders will generally loan up to 4 times a Veteran’s available entitlement without a down payment, provided the Veteran is income and credit qualified and the property appraises for the asking price.

    VA county loan limit:

    • VA’s 2017 Loan Limits are the same as the Federal Housing Finance Agency’s limits – 2017 Loan Limits (Effective January 1, 2017).

    For purposes of determining the VA guaranty, lenders are instructed to reference only the One-Unit Limit column in the FHFA Table Fannie Mae and Freddie Mac Maximum Loan Limits for Mortgages Acquired in Calendar Year 2017 and Originated after 10/1/2011 or before 7/1/2007 .

    Remaining Entitlement

    Veterans who had a VA loan before may still have “remaining entitlement” to use for another VA loan. Most lenders require that a combination of the guaranty entitlement and any cash down payment must equal at least 25 percent of the reasonable value or sales price of the property, whichever is less. Thus, for example, $23,500 remaining entitlement would probably meet a lender’s minimum guaranty requirement for a no-down payment loan to buy a property valued at and selling for $94,000. You could also combine a down payment with the remaining entitlement for a larger loan amount.

    External Link Disclaimer: This page contains links that will take you outside of the Department of Veterans Affairs website. VA does not endorse and is not responsible for the content of the linked websites.

    PDF Documents To read PDF documents, you need a PDF viewer. Links to viewer software can be found at this link.





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