Jon - Trident Home Loans

Like you said, it costs money but the lender pays it for you by increasing the rate. Trident's fixed 30yr VA is 3.0. They increase it to 3.25 and use the credit to pay all your closing costs including the IRRRL funding fee making it free to you. Any lender can do it and they are lying to you if they say it has to be them only.

Trident Home Loans is doing no cost 30yr fixed VAs at 3.25% right now in the 20 states they are licensed in assuming a credit score above a 680 and it's your primary home. My wife works for the owner and it's no kidding free. It also won't increase your loan balance either...no hidden or rolled in costs. Just saves you money in interest and lowers your payment.

Heard the same from my buddy who did it there. He passed but said it was the hardest flight of his life. He got everything through his commercial before he came into the AF so he's not just whining. They actually called me the other day to schedule me because I had inquired in the past. Any place proactively trying to fill ATP slots at this point must be bad. Glad I used Downtown.

I told my wife about your situation and she talked to the owner of her company. He said it's not a problem and they do it all the time for airline/TR guys. All they would need is pay stubs, current LES, 2015 return and a verification of income from your CC or DO. They'll then just average your monthly pay and you'll be good. They can also go up to 65% debt to income on a VA to qualify you so really there shouldn't be a problem. The owner said banks have a hard time wrapping their brains around how we get paid.

My wife works for Trident Home Loans in FL and they are doing VA 30yrs at 3.25 with the same size lender credits (around 1.5% of the loan amount) or a free refinance at 3.25. Last I heard 15yr rates are at 2.875 and they can do a free refi at 3-3.125%. Closing are quick (30-45 days) and anyone refinancing would skip a mortgage payment as well. I've done 2 loans with them and a bunch of dudes from my sqdn also used them. Can't beat a free refinance that saves you money and only costs some time/paperwork. They are licensed in 20 states or so. Two airline pilots who are former navy own the company and I've seen they fight to beat any competitor. Their business is booming and they make bank flying so they are willing to take less profit if it means getting the business and future referrals. They built their company around doing loans for pilots and military. I'd be shocked if you got a better deal elsewhere. At a minimum you get a great quote that you can take back to NBOK or whoever in order to see if they will sweeten the deal. Nothing wrong with a little healthy competition especially if it saves us money. PM me if you want some insider contact info...the owners are my friends and I'd be happy to call them if you find a better deal elsewhere

No, he does VA, FHA, USDA and Conventional. I only know the VA rate he is doing for free right now but he can do all types for free. The rate might be slightly different but he's a great guy and will definitely look out for your best interest. He makes plenty of money flying for the airlines that he's not trying to squeeze every penny possible out of his mortgage business which helps people like us.

I just talked to my buddy that is an airline pilot/mortgage company owner. With all the market turmoil, he's doing free VA refi's at 3.375% right now. Basically if you have a 30yr VA and have over a 3.375 he'll lower your rate and you won't pay a dime or increase the amount you owe. It's a streamline too so lots less paperwork and no appraisal. Figured other dudes might be interested in free money. I'm lowering my 15yr from a 3.25 to a 3.00 for free. PM me if you want his cell.

That checks. You have six months from the end of the calendar month you return. You have to have been on a operational deployment for it to count per the FSDO office I talked to and my evaluator. I just brought a copy of my CED orders.

We didn't use NBOKC for our VA loan, but got two great deals from Trident Home Loans in Gulf Breeze, FL. We're at Hurlburt and they were able to get us a 3.75% 30yr last year with a $7.2K lender credit which paid our VA funding fee so we didn't end up having to tack that onto our loan. We just finished a refi of the same property with them and got it down to a 3.25% 15yr with a $5K lender credit. There were no fees charged to us or added to our loan balance so they basically did a free refi. I got to meet the owner of the company (flies for Delta and was a Navy prowler pilot) during the process and he basically takes less of a profit to hook up military and pilots. Not saying they don't do business with other people, but he focuses on what he knows and cares about. A few other people from my squadron have gone with them too and got the same type of deal I did. Actually, it was an AF buddy who referred me to them because he got such a deal. If you're paying money to refi or aren't getting a massive lender credit when you buy then you're doing it wrong. My broker was Stacy Haynes or you can PM me if you want to talk to the owner directly (I don't want to put his cell # on the web). He's a great dude to talk both mortgages and airlines stuff with.

Just knocked out my practical with Downtown Aviation in Memphis. The study materials, gouge, instruction and check ride were great. Dr Ray is an awesome evaluator. The whole program cost me $1850 including the examiner fee...I don't think anyone can beat that. Day 1 is ground school and an instructional flight and Day 2 is the check. They do it either in a Comanche or Dutchess. No military pilot who has been flying should have any problem. Get scheduled now because they told me they are booked through Feb '16 and get 25 phone/e-mails a day about their ATP program. BTW...my written expired 2 months before I took my check ride because I got a short notice deployment and couldn't knock out the practical in time. If you get in the same position feel free to PM me, but SFAR 100-2 gives deployed military a 6 month extension on their written to complete their practical. A copy of your orders needs to be included with you application. This was a life saver for me.

Glad it helped!

Removed

Around 20 pipeline slots an FY if you count both H & U model EWOs and Navs. FCO isn't really an option for pipeline guys anymore because of their washout rate. Most FCOs come from other platforms or X-Flow from the Nav or EWO seat.

I'm up at SERE now and they could care less what you have on your uniform when you're in the field or doing RT. When you're on base you need to be in a proper uniform.

Wow...are you joking? Telling your CC and cadre who have 25yrs+ of military experience that their collective assessment of you is wrong...good idea. I'm not saying that ROTC isn't out of touch with reality and just loves kids who kiss a$$, but sometimes you just have to STFU and prove people wrong by your future deeds. Arguing with your superiors will always get you no-where...learn this lesson now so when you do get to UPT someday you won't make an a$$ of yourself with an IP or check pilot like so many studs do thus ruining any chance of ever getting the plane you want. The lesson still applies even if you don't want to be a pilot.

The LSI guys at CBM sell them at the sim desk...the one they issue is a 8.5x11 piece of junk

Definitely not true...go to any UPT base right now and ask about corpus slots. CBM had one class who had 7 studs put it #1 on their list. Maybe back in the day your view was correct, but not today with the sh!tty drops coming out of T-1s and -38s. Some of the best sticks coming through here right now are AF guys who are all pumped to go fly the herk.

Corpus 08-37 drop: AC-130U Hurlburt AC-130H Cannon MC-130H Kadena MC-130W Cannon NSA Cannon RC-12 C-130 Pope C-130x2 Little Rock HC-130 Moody EC-130 DM

You need to talk to your Sq or GP exec for guidance on the application process. It basically works like this: 1) take the TBAS, AFOQT & fill out your 215. 2) Send it up for your Sq/CC to review and rank you 3) Sq exec sends it up to the GP/CC then WG/CC to get review and then you're rack and stacked at the WG level. 4) WG sends it up the chain and eventually ends up at AFPC. You don't submit anything yourself. As far as how to package it...just make it look professional. Your WG exec might have some tips for you.

As long as there was nothing else then you should be fine. I have one for a -2.75. Might take a little while to process though.

I'd type up a push note to go along with his package for your CC to sign off on. Usually, the WG/CC will allow a few non standard medals for those that are really deserving. Talk to your Group Chief or Command Chief and get their feel on it. They are the ones that will have a good feel on how the system has been working. As far as templates are concerned search around AFCENT's secure website until you find a link to the PRU's (personnel readiness unit) decoration page. All the templates are on that website including a search function to see the status of medals submitted.

Anyone heard anything new on basing or the manning plan for the RC-12 as it comes online? https://www.airforcetimes.com/news/2008/09/...d_rc12_091708w/ Guard to train RC-12 pilots, sensor operators By Sam LaGrone - Staff writer Posted : Thursday Sep 18, 2008 7:40:31 EDT Crews for the Air Force’s newest intelligence, surveillance and reconnaissance aircraft will be trained up by the National Guard. The 186th Air Refueling Wing in Meridian, Miss., will train 1,000 pilots and sensor operators for the RC-12, an Army ISR aircraft the Air Force plans to bring online this year. “The pilots and the sensor operators will come to us qualified in the RC-12,” said Lt. Col. Brad Crawford, the 186th’s executive officer. “The piece that we’re responsible for is training these crews on the mission qualification part of it.” The RC-12 training program, called Project Liberty, will begin in January, draw $100 million dollars and provide seven of the converted Beechcraft King Air planes to the 186th. Crawford said the mission qualification training could take six to eight weeks once the training specifics are nailed down. The service plans to acquire 30 aircraft in addition to the seven at Key Field to operate primarily in Afghanistan and Iraq in support of battlefield commanders on the ground in small-scale engagements. The acquisition of the RC-12 is part of the Air Force’s stated goal of providing more manned and unmanned ISR capability inside theaters, especially Operations Iraqi Freedom and Enduring Freedom.

The only AF office here at Corpus. There is a Maj who is in charge and works all the drops with AFPC. Almost forgot...the Navy is changing the NSS system this week so you'll be able to see your "projected" NSS whenever you want. Should be available to VT-31 studs next week or so.

If you want a U-28, have a NSS above 50 and let the AF office here know ahead of time then they can work a specific assignment into your class's drop. They'll go out of their way here to work an assignment for you if you do good.

Anything you do will help including getting some hours. Bottom line is there are lots of dudes who want to go to UPT and only a fixed number of slots. Do whatever you think will make your package shine above others. There is tons of info on what successful applicants have done to get picked up on this forum.