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<h1>The NewDay USA Servicing Department will be closed Wednesday, January 1, 2025 in celebration of New Year’s Day.</h1>Customer service will resume normal business hours on Thursday, January 2, 2025 at 8:30 AM ET. All payments scheduled or made from Tuesday, December 31, 2024 to Thursday, January 2, 2025 will not be reflected on your account until Friday, January 3, 2025. These payments will reflect the original date of receipt as the effective date for payment.

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Empower your financial journey with our curated educational articles. From understanding VA loans to improving financial planning and homeownership, our resources offer the insights you need. Built for Veterans, by Veterans, to support your journey to financial security.

Educational resources for Veterans

Aiding American veteran families, NewDay USA strives to help more veterans own their homes and control their financial futures through our VA loan products, such as the NewDay USA 100 VA Cash Out Loan. Spearheaded by Executive Chairman Admiral Lynch, the 100 VA Cash Out program offered by NewDay USA facilitates veteran mortgage refinancing that can be useful in helping veterans achieve a range of personal and financial goals. After reading this blog you will be better informed about the VA loan benefit available to veterans, and its specific advantages when it comes to being able to access the equity in your home as cash.<h2> Take Control of Your Finances with the NewDay USA 100 VA Cash Out Program</h2> The VA cash out loan program empowers veterans to pool their high-interest debts into a lower-interest rate loan, with a refinance of their current mortgage. You will be able to consolidate high-interest debts (e.g., credit cards, and car loans) which may ease financial strain by lowering monthly payments. On average, NewDay USA customers lower their payments by $459 per month through our NewDay USA 100 VA Cash Out Loan, which works out to be $5,508 per year. Do be aware though that consolidating debts like this may increase total repayment time and total finance charges can be higher over the total life of the loan. Consolidating your debts like this can also put you in a good position to stash cash. You’ll have more money available to bolster your emergency funds, prepare for future investments, or tackle unforeseen expenses. You could also use the extra money that’s now in your back pocket to upgrade your home. It’s a great way to boost your home's worth and increase its livability through essential repairs or modernization.<h2> No Upfront Out-of-Pocket Costs</h2> <img src="https://strapi-aws-s3-newdayusa-images-bucket.s3.us-east-1.amazonaws.com/fstnm_lstnm_content_imagef6565b37328f419c9d086c958caaa88c_816db10364.jpg" alt="fstnm-lstnm-content-imagef6565b37328f419c9d086c958caaa88c.jpg" srcset="https://strapi-aws-s3-newdayusa-images-bucket.s3.us-east-1.amazonaws.com/thumbnail_fstnm_lstnm_content_imagef6565b37328f419c9d086c958caaa88c_816db10364.jpg 234w,https://strapi-aws-s3-newdayusa-images-bucket.s3.us-east-1.amazonaws.com/small_fstnm_lstnm_content_imagef6565b37328f419c9d086c958caaa88c_816db10364.jpg 500w,https://strapi-aws-s3-newdayusa-images-bucket.s3.us-east-1.amazonaws.com/medium_fstnm_lstnm_content_imagef6565b37328f419c9d086c958caaa88c_816db10364.jpg 750w,https://strapi-aws-s3-newdayusa-images-bucket.s3.us-east-1.amazonaws.com/large_fstnm_lstnm_content_imagef6565b37328f419c9d086c958caaa88c_816db10364.jpg 1000w," sizes="100vw" width="2000" height="1333"> NewDay USA pledges zero upfront out-of-pocket costs when it comes to VA appraisals, termite inspections, and water tests for qualified veterans using the 100 VA Cash Out Loan. Instead, you can incorporate these costs into your total loan amount so that you can pay them down over time. This is a direct result of the Admiral’s orders for us at NewDay USA to make refinancing as simple and accessible as possible for veterans. Here’s what that could typically cost you upfront: &nbsp;<ol><li>VA appraisals: Per the <a target="_blank" rel="noopener noreferrer" href="https://www.benefits.va.gov/HOMELOANS/appraiser_fee_schedule.asp">VA Appraisal Fee Schedules</a>, a single-family home VA appraisal can range from $525-$1300 depending on state and county.&nbsp; &nbsp;</li><li>Termite inspections: As a guide, the average termite inspection cost in 2022 for funded loans by NewDay USA that required a pest inspection was $121.60.&nbsp; &nbsp;</li><li>Water tests: In 2022, the average water test cost for funded loans by NewDay USA, that required a water test, was $146.85. Do note however that if any repairs are needed, there may still be some out-of-pocket expenses that the borrower is responsible for paying. Charges apply if appraisal is transferred to another lender. &nbsp;</li></ol><h2>Streamlined Application Process</h2> NewDay USA's goal is to get veterans their well-deserved benefits with speed and simplicity. All you need to do is follow this simple fuss-free 3-step process to tap into your benefits: &nbsp;<ol><li>Reach out! Contact the NewDay USA team for guidance.&nbsp; &nbsp;</li><li>Paperwork, paperwork. Provide essential documents like proof of income, credit history, and veteran status, enabling NewDay USA to evaluate your eligibility.&nbsp; &nbsp;</li><li>Approval, closure. Post-approval you will close the deal, finalize refinancing, and receive your funds.&nbsp; &nbsp;</li></ol>NewDay USA has automatic authority from the VA to make our own approval decisions. When it comes to supporting veterans and helping them utilize their VA loan benefits, NewDay USA can say yes to a veteran when other lenders say no. &nbsp;<h2>Choose NewDay USA for VA Cash Out Loans</h2> Veterans seeking to access the value in their home via a cash out refinance may like to consider the NewDay USA 100 VA Cash Out program. Call NewDay USA today at <a href="tel: 888-985-1989" target="_blank" rel="noopener noreferrer">888-985-1989</a> or submit an inquiry via our website to get started.&nbsp; Craig Burris-NMLS#1893687- NewDay USA-NMLS#1043

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The NewDay USA Servicing Department will be closed Wednesday, January 1, 2025 in celebration of New Year’s Day.

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