Adding that keeping your credit rating score as high as you possibly can will pay dividends due to lower interest rates, lower home insurance premiums and even lower car insurance rates. Pay off the VA loan as fast as possible. I bought my 2nd home in 1985 in Mustang and paid of the $30K loan in 48 months. Besides credit ratings that will save you money you should also consider putting a high deductible on all your insurance policies. Our current home built in 2011 is 2200 sf and we have a $2,000 deductible policy. The annual rate has averaged about $1,000. (Wife & I both have good credit b/c we pay with cash mostly) \The high deductible keeps your rate low in two ways. The company has less liabilty to be sending you checks for small repairs (fence down, etc) and it also lessens how many claims you file with them. Some states now are cancelling policies when homeowners have submitted as few as 3 claims in 5 years. And even having a claim turned in and it being denied is still a dink on your record. Just think of your insurance man like your think of a cop. Don't need him until you absolutely have to have him.
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