Author Topic: 3b released member looking at homelessness  (Read 5363 times)

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Offline Pusser

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Re: 3b released member looking at homelessness
« Reply #25 on: July 18, 2018, 13:06:28 »
I hope it works out for you.
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Offline Hwyhtac

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Re: 3b released member looking at homelessness
« Reply #26 on: July 25, 2018, 08:42:40 »
Just thought I would give a quick update. Our mortgage was approved last night thanks to the individuals and organizations below. I have learned a lot through this process and now realize that the organizations that assist releasing members are truly there to help. Yes, there may be loopholes but the people behind the scenes are working tirelessly to fix any issues and ease the transition of all military members. I would like to publicly thank all who were involved in working on my file. I touch on all of their actions below if you have time for a read.

JPSU/SISIP/DPSP – I was contacted by Staff Weenie here on WRT to my situation and we spoke the phone shortly thereafter. I won’t get into exactly what occurred, but I need to public thank him, his team, SISIP, and the DPSC (Pensions) here on for the urgent and collective work they did on my file that literally helped us avoid homelessness. I am humbled by the care and speed with which they addressed my family’s issue and it has given me a new outlook on organizations that are often ostracized.

Staff Weenie and his staff did a bit of digging after we spoke about my mortgage issue. I am posting the following from our email conversation (with his permission) as I think it demonstrates that there are people working behind the scenes to rectify problems once they are identified.

"We’re also finding that this issue is bigger than we thought. My supervisor talked to his mortgage broker, who noted that he deals with a very similar situation about 3-4 times per year. That probably means that across Canada, this has to be happening at least a hundred times per year. We’re now starting to look at how we can find a fix to prevent this from ever happening to another member.”

These organizations often have a thankless job, however, I can tell you with certainty that they are dedicated people who are working hard and they truly do care about releasing members.

VAC – The manager of my local Veterans Affairs Office went above and beyond to help us out. She wrote letters, spoke to our mortgage institution multiple times and was sympathetic to my rants of homelessness when I’m sure she had a pile of other things to get done. I can’t name her as I have not asked her permission to do so, but her actions played a very big role in us getting our mortgage approved. I have seen VAC often be villainized and think it’s important to say that my experience was quite the opposite. Give them a chance. They are there to help.

Jean-Yves Plouff of Remax in Gatineau – There are realtors, and then there is this guy. He has been fantastic throughout the whole process from his honesty on our HHT to the uncertainty of financing approval. He has gotten us multiple extensions with some very hesitant sellers that allowed us the time needed to prove income through the work of others. He has sacrificed his personal time and worked late into the night on multiple occasions to make things work for us. You won’t go wrong with Jean if you are moving to the Gatineau area. This guy is getting a BBQ on us once we arrive.

Susan Woolsey - Mortgage Agent Ottawa – Susan is a Mortgage broker that I contacted in Ottawa with the intent of starting a second application as our financial institution was being a bit difficult. Susan is very well versed in military moves and is educated on the release process(both medical and normal). This made it exceptionally easy to discuss all aspects of our situation from SISIP/VAC/Pension income streams to BGRS regulations. Susan took the time to advise me on how to proceed and even checked in on the progress of my file at our mortgage company. We did not end up needing her services as our institution finally granted us a mortgage. I cannot say enough about her character and how much I wished I had contacted her months ago.  I can’t recommend her enough for military members. Give her a call if you are looking for a mortgage.
« Last Edit: July 25, 2018, 08:49:41 by Hwyhtac »

Offline Rifleman62


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Re: 3b released member looking at homelessness
« Reply #27 on: July 25, 2018, 13:03:14 »
Very glad the situation was resolved successfully.
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Offline OldTanker

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Re: 3b released member looking at homelessness
« Reply #28 on: July 25, 2018, 20:50:15 »
Very happy it worked out for you and thank you for taking the time to acknowledge those who helped you.

Offline Brihard

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Re: 3b released member looking at homelessness
« Reply #29 on: July 25, 2018, 21:02:26 »
Class act, dude, really good of you to follow up like this.

I'm not the least bit surprised that once Staff Weenie got involved, there was a noticeable turn for the better. He's one of the good ones.
Pacificsm is doctrine fostered by a delusional minority and by the media, which holds forth the proposition it is entirely possible to pick up a turd by the clean end.

Offline Infanteer

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Re: 3b released member looking at homelessness
« Reply #30 on: July 25, 2018, 21:20:02 »
Great post - I've followed this since you started it and I'm glad things worked out for you.  Shows the value of social/professional networking and helps highlight all the good people who can help if they know there is a problem.
"Overall it appears that much of the apparent complexity of modern war stems in practice from the self-imposed complexity of modern HQs" LCol J.P. Storr

Offline daftandbarmy

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Re: 3b released member looking at homelessness
« Reply #31 on: July 26, 2018, 00:02:19 »
Great news!

And thanks to Mr. B et al for continuing to make this a forum where we  can help each other out as required (as well as go on and on endlessly about far more trivial stuff)


"The most important qualification of a soldier is fortitude under fatigue and privation. Courage is only second; hardship, poverty and want are the best school for a soldier." Napoleon

Offline dunlop303

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Re: 3b released member looking at homelessness
« Reply #32 on: September 22, 2018, 03:25:02 »
I was in the exact same boat, released back in 09, was buying a house half in cash with a small 50k earnings loss benefit, NOPE didnt fly as income, I ended up getting a BS job for 90 days just to check the box of income, then quit once the mortgage was finalized.

Long story short, count on these "Kind people" for nothing if its important or urgent.

Ok, the title may be a bit dramatic but it isn't far off.

I was just released 3b last week. At the same time we are in the middle of trying to purchase a house at our 'retirement' destination. My wife has secured a job in the public service(starting in Sep) and my son is attending university with plans to live at home. I am going to school and intend to re-enter the work force. The new house is modestly priced and we have 47% down payment available. We have no debt, good credit and spare cash. Our intention was to port our mortgage as we have a great rate locked in for another 4 years.

The mortgage was going to be approved if I could provide proof, in a dollar amount, of what my income will be under pension/sissip/VAC.  I assumed VAC would be able to do this as they top up to 90% of your pre-release gross pay as the last step in the process (after pension and sissip). I have an official letter from the the military stating my pre-release salary and a letter from VAC approving me for Earnigs Loss Benefit (the 90% topup). I figured some simple math (pre-release salary x 0.90) would provide a number that VAC could give to my mortgage company.

But that isn't the case.

They will only state that I am entitled ELB and provide the ELB documentation found online. No dollar amount will be provided and they will not budge on this until my pension and sisip income is established. This is months down the road. Incidentally, my 90% is north of $75,000.

So now my family is two weeks from moving out of our current home, which is sold, and our deal on the new house will fall apart today due to financing. We spent the day yesterday trying to secure a 'decent’ rental option with no luck, mostly due to the short timeframe.

VAC told me not to worry as they have ways to get vets into emergency shelter if required. Awesome. That makes everything better.

I am absolutely dumbfounded that my family and I are in this position. This is not how I envisioned my first weeks/months as a civilian after 21 years in the CF.

Anyone have any ideas?