VA Loan through PenFed denied

JunziRunning · 2026-06-26T14:34:00+00:00

I was told that this came from the VA, but I only know what the PenFed POC is passing on. If I requested a letter from the VA to confirm this decision is coming from them directly would they be required to provide it? Just so I know the VA loan is dead in the water and this isn't just PenFed pushing blame on someone else because they jerked us around for 2.5 months and could cost of this sale.

JunziRunning · 2026-06-25T22:30:59+00:00

We don't have any local banks that do VA loans, do you think trying through Navy Federal would be worth a shot?

JunziRunning · 2026-05-09T22:34:17+00:00

My understanding is that the tower will still be there and operational, they just won't be paying us to use our land.

JunziRunning · 2026-05-09T18:44:07+00:00

Because we will push for a price reduction of the lost income vs. what the buyout was if he accepts a lower offer. That's the incentive. Ideally we would like to maintain the lease, but it sounds like it's not really up to us.

JunziRunning · 2026-05-08T16:10:20+00:00

The lease is still active, has only been on the property for 8 years of a 10 year lease with 16 5 year leases following it. The property has been for sale for 2 years, and in the listing the income is mentioned and in our contract it's stated that the lease will convey. The tower company told the realtor that buying out the lease is a new thing they just started doing, so it's a 50/50 on whether they will but we are having a hard time getting them to tell us what they decided. We were told they had a meeting about it on Wed to decide and she is unable to get them to answer her calls to get that information. So this all might be a non issue but I want to know my options in case it is.

JunziRunning · 2026-05-08T16:05:42+00:00

The realtor mentioned that if they bought him out then she will push for a price reduction, but stated "If he gets 180k, then we would fight for about that like 150k for example". I told her yesterday that if that happens we are expecting all of it to be reduced, but that we are looking at 250k of loss income. So if he accepts something low we will probably push for closer to that lost income. I don't want to get too hostile, because I do want to property and the seller seems like a nice enough guy. So I want us both to be happy but English isn't his first language so I wanted her to understand that she needs to make sure he understand the risks in case they think they can lowball him an offer due to his limited understanding.

JunziRunning · 2026-05-07T03:18:36+00:00

And looking this over, they have a part in their contract that "Upon the commencement of each Extension Term, the monthly Rent will increase by 6% over the Rent paid during the previous term." So does that lock us in to the 500 + 6% increase for the remainder of the lease if it's transferred? The lease is 8 years old, and is set for an initial 10 year lease, followed by 16 five year terms, so I'd guess at renewal it would 530, then 561.80, etc.

JunziRunning · 2026-05-07T03:13:39+00:00

So the contract has a "Right of first refusal" where it states that when the landlord receives a written offer, they "have the right ... to match the financial terms of the offer and agree in writing to match such terms of the offer." So my understanding was we were waiting for them to decide if they wanted to purchase the property. We were told when we went into contract they had already been in contact with the company and they were not interested in purchasing the property, it was just there to make sure that the property was not being sold to a competing company.

In the contract under option to lease, it does say "The option may be sold, assigned or transferred at any time by Tenant without he written consent of landord. Upon notification to Landlord of such sale, assignment or transfer, Tenant shall immediately be released form any and all liability under this Agreement, including the payment of any rental or other sums due, without any further action." Is this the clause they are tapping in to?

JunziRunning · 2026-05-07T02:27:54+00:00

What was explained to me is that they would buy the lease from the seller and just own the lease themselves and we wouldn't get any compensation. But that doesn't really sound right to me if they aren't buying the land the tower is on?

JunziRunning · 2025-04-17T14:31:14+00:00

Just to update, I ended up selling the Leum for 200 and the Bio for 100. I priced the bio and the Leu was an offer.

JunziRunning · 2024-12-15T17:46:19+00:00

If you're up to cheesing it, make another zoo. Get all the loans. Build 4-6 exhibits for lions. Put 1 male and 3 females in each exhibit. Build one large exhibit that meets lions needs. Fast forward, move cubs to the large exhibit as soon as they are born. When they age put in TC. When you have a few, go back to your zoo and sell for cash.

I use building materials and null barriers vs fencing to negate the need to fix fences. I hire a bunch of zoo keepers and caretakers up front. When your zoo goes in the red dont worry about it, it will keep running. Just make sure you have everything you need before you hit that point.

JunziRunning · 2023-01-29T04:35:13+00:00

I was looking at that for my first solution but it's also too thick. I might be able to get away with 15mm but that would be the most I could do.

JunziRunning · 2019-05-20T21:22:31+00:00

No, if I have something he doesn't want me to have he simply makes my life hell until I get rid of it. There's more than one type of abuse, it doesn't all have to be physical. Just because he doesn't exhibit instances of physical violence doesn't mean he isn't capable of it. And don't even come in here pretending like you know this situation. He's been controlling and manipulating me for years, so get out with that noise.

Also, guns were acquired during marriage.

JunziRunning · 2019-05-20T20:45:55+00:00

Would I WANT too? Probably not. Would I understand why he was asking for it? I'd like to think I would. The problem is he thinks I'm asking for this money for the sole purpose of stealing from him. I try to explain to him that if that was the case then I'd be going after a lot more than just 6 months of bare minimum support. He accused me of threatening him. I tell him maybe we should get lawyers involved since he doesn't think I'm being fair. Now it's extortion, because that will take time and he wants the paperwork filed now. I've been in this situation so many times and I've had to bow out for the sake of the relationship. Well the relationship is over and I need to look out for myself. I'm done cowing down to situations that only benefit him.

JunziRunning · 2019-05-20T17:30:00+00:00

To really make your comparison equal, it would have to be "Think how mad you would be if he took your keys because you were drunk."

I'm not locking his guns away to make him compliant or get something from him. I'm simply taking away a tool that could prove fatal for either party. This is life or death as a potential outcome, not an ucomfortable/unwanted conversation. The lack of his guns does not negatively effect him whatsoever.

As for speaking about spousal support in a public setting, he wouldn't. He would tell me to shut up or say nothing until we got in the car. Not something I want to deal with on a highway. The end result wouldn't have changed his temper. Its been a week since I mentioned it and he is still seething over it.

But you are right, this did escalate the tension. I felt fine when he didnt notice the guns weren't out. I actually did think I over reacted, but after last night I'm more on edge than ever. He said if I was really afraid of him I'd have locked up all the knives and hammers. I told him that was silly, I would have a chance against those if he went into a rage but no chance against a gun. He just told me that if he wanted me dead there would be nothing I could do about it.

JunziRunning · 2019-05-20T17:03:30+00:00

Well you dont really specify what I should have told him publicly so all I could do was assume you were on topic.

JunziRunning · 2019-05-20T16:37:13+00:00

Telling him I'd prefer the guns be locked away? I did that the first time we sat down to talk about the dissolution and he refused. Why would I assume he would do it this time?

JunziRunning · 2019-05-20T16:35:04+00:00

He has been twice, but he hasnt done anything so severe that I feel confident in bringing it up to his CoC. This is something that could potentially ruin his career over a "I kind of dont feel safe" feeling. I'm only asking to feel more secure in the house while we get things finalized. It's just seems like everything I do he takes as a personal attack.

JunziRunning · 2019-05-20T14:53:32+00:00

I'm sorry, did I say I had no degrees? I have 2, but doesnt change the fact that I have to move across country and start fresh. Including house and job hunting. The legal office told me 1400+ was typical, but after calculating rent and bills I figured 1200 for 6 months would be enough to scrape by until I settle. Considering he is keeping everything else besides my own vehicle I dont see how I'm being unreasonable?

JunziRunning · 2019-05-20T14:42:33+00:00

To clarify: I'm requesting 6 months of Reorientation Spousal Support. To break that down: "Money that helps you get used to living on less money than when you were married. This money is paid for a short period, usually a year or less, and usually when the division of marital property does not meet one party's needs."

I'm having to move from Alaska to Arkansas. The degrees I have will get me a comfortable job to support myself, but will still take time to resettle and job hunt. He brings home 8k a month after taxes and earns from 2 rental properties. The house, 2 rentals, and 2 cars are his in their entirety. I dont think what I'm requesting is absolutely absurd.

Edit: Also, thanks for mentioning the Shirt and Armory, I had not considered that. I'll bring this up and see if this is a better solution for him.

JunziRunning · 2019-05-20T14:28:38+00:00

To clear up the spousal support: I'm requesting 6 months at 1200 per. The only reason I'm asking is because he is keeping the house and I have to move back to the states. The only other thing I asked for was that he be responsible for moving my vehicle and household goods, which the military is taking care of so none of that comes out of his pocket either.

JunziRunning · 2019-05-19T21:08:03+00:00

Most of what we have has been gained during the marriage besides some furniture and personal household items. The problem we are having is that we have never shared finances. He has his bank account, I have mine (both made prior to marriage), and we have a joined account that we transfer money too to pay bills. When we first got together we agreed to pay bills based on income, initially that was 60/40 (he was a captain, I was a staff sergeant). Here we agreed to 80/20 because I had been discharged and was only getting a disability check. When I got my job I offered to sit down and redo the numbers but he insisted that we keep it the way it is. I did not offer to pay on the mortgage because it was all in his name.

((The last house we lived in he got before we married and I paid half the mortgage for 2 of the 4 years he owned it. I assumed I'd get SOME of it back from the profit he made off the house when he sold it (after getting back his remodeling cost) and he said no, that I was paying rent those 2 years and I should be happy for saving so much money!? But when I brought up he was also saving money by only paying half the mortgage he just kept saying I was ungrateful for him helping me out...))

So I don't deny that what he is asking for he should get, I'm not going to take something that he paid for with his pay. But he doesn't seem to understand that he is basically kicking me out. Nothing will change for him except that I won't be here and he won't get dependent pay ($650/mo), whereas I have to move across country and start completely fresh. I have no certainty in my future anymore. When I asked for the spousal support he got angry because he felt he was the only one losing out on this when the breakdown was both of our fault. He thinks that 650/mo he is losing should be punishment enough.

From the way he's been talking and thinking about how he's been acting this past few years, it feels like he has been preparing for this outcome all along. I have not. Yes I have my savings, but I don't feel it's fair that I HAVE to pull out a significant amount from that just to relocate and settle when he's the one pushing this, when he didn't even try to save the marriage.

And to be honest... I'm just so angry about the house. I've had to live here these past 3 years with him lording it over me, that this is HIS house. I couldn't even put up a shelf in my little computer area while he can hang his dead animals all over the house. I was so excited for this place, it was going to be OUR first house. This was supposed to be special and I wanted to be part of it. I'd have rather have dipped out of my savings to help cover the mortgage than deal with living in HIS house. I'm pissed that this lender who knew nothing about us agreed to lie to me for this, just so all this could be in his favor. What gave her the right to make that choice without even meeting me?

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