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The ads are appealing. They feature deals for vets to refinance their homes and cash out on the equity. However, home and refinance loan programs targeted towards military veterans can be a benefit or a headache, depending on the lender. John Bell, advisor for the Veterans Affairs Administration in D.C. says there are many reasons why vets can take advantage of borrowing cash against their home. But how you choose a cash-out lender makes a big difference. “We want to make sure that veterans are armed with information from the disclosure process early in the process as well as though closing, so they understand the decisions they're making,” he says. Bell says, unfortunately, there are predatory lenders out there targeting vets, sticking vets with thousands of dollars in hidden fees. “Have we seen it, yes,” Bell explains. “Do we know how to combat it and help you in navigating that process? Without a doubt.” In 2018, the United States Department of Veterans Affairs stepped up its regulations for lenders, specifically on cash-out refinance loans. The VA has always offered advisor services to protect borrowers through their long-standing VA home loan program. “We need to make sure that all lenders are operating on the same playing field, that they're all giving veterans the transparency that they need to make informed decisions,” Bell says. According to a report by the American Enterprise Institute, in September of 2018, veterans cashed in on cash-outs. They accounted for 86 percent of mortgage loans, which was up about 30 percent from two years prior. “The general rule is if it sounds too good to be true it usually is,” Bell says. Bell says in order to not cause a mortgage crisis among vets, it's best if you know what you’re getting yourself into. “Be sure you're asking the right questions,” he says. “You want to know the exchange of equity that you're going to take out, what is the overall cost of that, and make an informed decision.” 1983

The Bengals are “livid” after catching a video crew contracted by the Patriots taping their sideline from the press box in Cleveland Sunday, according to 166

Tense protests over the death of George Floyd and other police killings of black men grew Saturday from New York to Tulsa to Los Angeles. Police cars were set ablaze in several cities, and officers used tear gas and rubber bullets to contain demonstrators as the country lurched toward another long night of unrest after months of coronavirus lockdowns.In Philadelphia, 382

The first day of school can be a scary experience for young children, but one boy in Wichita, Kansas, is very lucky to have a friend guide him.Connor Crites has autism and is nonverbal, 198

The 18-year-old who said that actor Kevin Spacey groped him at a Nantucket bar in 2016 took Snapchat video of the alleged assault, and investigators have that video, according to a criminal complaint filed in Nantucket District Court.The complaint from Massachusetts State Police details an incident between Spacey and a busboy at the Club Car, a restaurant and bar on Nantucket, late on July 7 into July 8.The busboy, who was 18 at the time, told Spacey he was 23 and studying business at Wake Forest University, according to the complaint. That night, Spacey bought him a number of alcoholic drinks, bragged to him about the size of his penis, and tried to get the busboy to go back to his house afterward, the accuser told police in the complaint.Later, as the two stood near the piano player in the bar, Spacey reached over and began to rub the busboy's thigh, the complaint states. Spacey then unzipped the accuser's pants and rubbed his penis, both in and out of his pants, for about three minutes, he told police.The busboy did not know what to do and did not want to get in trouble at work for drinking, particularly because he was under the legal drinking age, the complaint states. He said that he tried to shift away with his body and move Spacey's hands away with his hands, but Spacey kept reaching down his pants, the complaint states.During this time, he was texting with his girlfriend, who did not believe what he was telling her, the complaint states. So he sent her video on Snapchat of Spacey groping him, the complaint states.In his interview with police, investigators showed the busboy that video and confirmed his and Spacey's clothing that night.The allegations in the complaint match those of Heather Unruh, a former TV news anchor who said at a press conference last year that 1816