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We need to understand whether or not the "new normal" of debt-financed college is having an impact on our ability to make good on that fundamental promise.

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The VA offers 3 home loan programs to Veterans and Active duty service members. One allows for the purchase of a home with $0 money down, another allows those with an existing VA loan to move from an adjustable rate to a fixed rate or simply lower their fixed interest rate whenever market rates drop without the need for any new income documentation or new appraisal and the third allows cash.

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Since the VA only guarantees a quarter of the loans it backs, so for this particular home the VA is willing to guarantee the lesser of either 25% of the loan limit in your county (which would be $106,025) or 25% of the value of your home (which would be $87,500).

In the Willow Boutique, Julie Lanzone and her sister-in-law Susie Bray from Tampa, Fla., were doing some pre-holiday-party shopping for themselves.

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