PMC Funding
Nov 20, 2008
Loans for Veterans
VA fixed rate
As a benefit to veterans, the Department of Veteran Affairs guarantees repayment of loans made to veterans with no down payment, in most cases, and liberal qualifying guidelines. This makes it easy for veterans to finance their homes.

VA Loan Program Synopsis
Borrowers Features
Low Cash To Close • Up to 100% financing
• Seller can pay all closing costs and/or discount points, with no limit!
• Seller can pay prepaids, funding fee and temporary buy down funds up to a maximum of 4 points
• No cash reserves required after closing
Home Affordability • Single qualifying ratio
• Alternative income sources must continue only 5 years
Easy Qualification • No cash reserves required after closing
• Liberal qualifying ratio
• Alternative income sources must continue only 5 years
Speed • VA loan inhouse underwriting*
Special Advantage • Some loans are assumable with qualifying

Some of the best loans available. The goal is to make housing affordable and more accessible for U.S. veterans. Available to veterans, reservists, active-duty personnel and un-remarried surviving spouses of veterans with 100% entitlement.

The features here are excellent. No down payment. And seriously competitive interest rates. No application fee and lower closing costs. And no cash reserve is required for the purchase of an owner-occupied single-family residence.

Administered by the U.S. Department of Veterans Affairs, but made available through us, these are fixed rate loans. Maximum loan amounts vary by county and state.

VA loans are available for home buying and, in most states, for refinancing.

Why a VA loan?
The more you know about our home loan programs, the more you will realize how little "red tape" there really is in getting a VA loan. VA loans are often made without any down payment at all, and frequently offer lower interest rates than ordinarily available with other kinds of loans. Aside from the veteran's certificate of eligibility and the VA-assigned appraisal, the application process is not much different than any other type of mortgage loan.

What is a VA guaranteed loan?
VA's guaranty on the loan protects the lender against loss if the payments are not made, and is intended to encourage lenders to offer veterans loans with more favorable terms. The amount of guaranty on the loan depends on the loan amount and whether the veteran used some entitlement previously. With the current maximum guaranty, a veteran who hasn't previously used the benefit may be able to obtain a VA loan. Qualified veterans and active duty military can obtain a loan of up to $417,000, or $625,500 in high-cost areas, with no money down. The amount depends on the borrower's income level and the appraised value of the property. Let a knowledgeable, courteous VA loan specialist help you to maximize your VA benefits today!

VA loans - who is eligible?
[ DC memorial ] Almost 30 million veterans and service personnel are eligible for VA financing. Even though many of that 30 million have already used their loan benefits, it may be possible for them to buy homes again with VA financing using remaining or restored loan entitlement.
  • Veterans with active duty service, that was not dishonorable, during World War II and later periods are eligible for VA loan benefits.
  • World War II (September 16, 1940 to July 25, 1947)
  • Korean conflict (June 27, 1950 to January 31, 1955)
  • Vietnam era (August 5, 1964 to May 7, 1975) veterans must have at least 90 days' service.
  • Veterans with service only during peacetime periods and active duty military personnel must have had more than 180 days' active service.
  • Veterans of enlisted service which began after September 7, 1980, or officers with service beginning after October 16, 1981, must in most cases have served at least 2 years.
  • Persian Gulf Conflict—Generally, reservists and National Guard members who were activated on or after August 2, 1990, served at least 90 days and were discharged are eligible.
  • Selective Reserve—Members of the Selected Reserve, including National Guard, who are not otherwise eligible and who have completed 6 years of service and have been honorably discharged or have completed 6 years of service and are still serving may be eligible. Expanded eligibility for Reserves and National Guard individuals will expire October 28, 1999. Contact the local VA office to find out what is needed to establish eligibility. Reservists will pay a slightly higher funding fee than regular veterans.

Financing - a good deal for veterans
Before arranging for a new mortgage to finance a home purchase, veterans should consider some of the advantages of VA home loans:
  • Most important consideration, no down payment is required in most cases.
  • Qualified veterans and active duty military can obtain a loan of up to $417,000, or $625,500 in high-cost areas, with no money down.
  • No monthly mortgage insurance premium to pay.
  • Limitation on buyer's closing costs.
  • Thirty year loans with a choice of repayment plans:
    1. Traditional fixed payment (constant principal and interest; increases or decreases may be expected in property taxes and homeowner's insurance coverage);
    2. Adjustable Rate Mortgage-ARM (lower initial interest rate may allow qualification for a higher loan amount. Annual interest rate adjustments are limited to 1 percent and maximum increase in the interest rate over the life of the loan is capped at 5 percent).
    3. Graduated Payment Mortgage-GPM (low initial payments which gradually rise to a level payment starting in the sixth year)
  • For most loans for new houses, construction is inspected at appropriate stages to ensure compliance with the approved plans, and a 1-year warranty is required from the builder that the house is built in conformity with the approval plans and specifications. In those cases where the builder provides an acceptable 10-year warranty plan, only a final inspection may be required.
  • An assumable mortgage, subject to VA approval of the assumer's credit.
  • No early prepayment penalty.

Had a VA loan before?
[ US flag ] Veterans who have already taken out a VA home loan in the past may be eligible for remaining entitlement for any unused previous balance. Because entitlement amounts have increased over time, many people with prior VA loans may be eligible for more money now than they were previously. Complete our form or call us today to find out if you qualify.

Restoration of Entitlement
Veterans can have previously-used entitlement "restored" to purchase another home with a VA loan if:
  • The property purchased with the prior VA loan has been sold and the loan paid in full, or
  • A qualified veteran-transferee (buyer) agrees to assume the VA loan and substitute his or her entitlement for the same amount of entitlement originally used by the veteran seller. Remaining entitlement and restoration of entitlement can be requested.

VA Appraisal - Certificate of Reasonable Value
The CRV (Certificate of Reasonable Value) is based on an appraiser's estimate of the value of the property to be purchased. Because the loan amount may not exceed the CRV, the first step in getting a VA loan is usually to request an appraisal. The appraiser will send a bill for his or her services to the requester according to a fee schedule approved by the VA. To simplify things, VA and HUD/FHA (Department of Housing and Urban Development/Federal Housing Administration) use the same appraisal forms. Also, if the property was recently appraised under the HUD procedure, the HUD conditional commitment can usually be converted easily to a VA CRV.

It is important to recognize that while the VA appraisal estimates the value of the property, it is not an inspection and does not guarantee that the house is free of defects. Home buyers should be encouraged to carefully inspect the property themselves, or to hire a reputable inspection firm to help in this area. VA guarantees the loan, not the condition of the property.

Application
The application process for VA financing is no different from any other type of loan. In fact, the VA application form is the same as that used for HUD/FHA and Conventional loans. We'll verify the applicant's income and assets, and obtain a credit report to see that other obligations are being paid on time. If all is well and the appraised value of the property is enough to cover the loan needed, we can, in most instances, then close the loan under the VA's automatic procedure. Only about 10 percent of VA loan applications have to be submitted to a VA office for approval before closing.

Requirements for Loan Approval
To obtain a VA loan, the law requires that:
  • The applicant must be an eligible veteran who has available entitlement.
  • The loan must be for an eligible purpose.
  • The veteran must be a satisfactory credit risk.
  • The veteran must occupy or intend to occupy the property as a home within a reasonable period of time after closing the loan.
  • The income of the veteran and spouse, if any, must be shown to be stable and sufficient to meet the mortgage payments, cover the costs of owning a home, take care of other obligations and expenses, and have enough left over for family support.

Costs of Obtaining A VA Loan
Funding fee (as of Oct. 1, 1993)

A basic funding fee of 2.00 percent must be paid to the VA by all but certain exempt veterans. A down payment of 5 percent will reduce the fee to 1.50 percent and a 10 percent down payment will reduce it to 1.25 percent.

A funding fee of 2.75 percent must be paid by all eligible Reserve/National Guard individuals. A down payment of 5 percent or more will reduce the fee to 2.25 percent and a 10 percent down payment will reduce it to 2.00 percent.

The funding fee for loans to refinance an existing VA home loan with a new VA home loan to lower the existing interest rate is 0.5 percent.

Note: For all VA home loans, the Funding Fee may be paid in cash or it may be included in the loan.

Other Closing Costs
Reasonable closing costs may be charged by the lender. These costs may not be included in the loan. The following items may be paid by the veteran purchaser, the seller, or shared. Closing costs may vary among lenders and also throughout the nation because of differing local laws and customs. Here are some of the costs you may be expected to pay at closing:
  • VA Appraisal
  • Credit Report
  • Loan Origination Fee (usually 1 percent of the loan)
  • Discount points
  • Title Search and Title Insurance
  • Recording Fees
  • State and/or Local Transfer Taxes, if applicable
  • Survey
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ALL CITIES IN IOWA INCLUDING: ackley, adams, adel, afton, albert city, albia, alden, alexander, algona, alta, alton, altoona, amana colonies, ames, anamosa, anita, ankeny, anthon, aplington, arlington, arnold park, atkins, atlantic, baxter, bedford, belle plaine, bellevue, bentonsport, bettendorf, birmingham, bonaparte, bondurant, boone, boyden, brooklyn, buffalo center, burlington, calmar, carlisle, carroll, carson, carter lake, cascade, casey, cedar falls, cedar rapids, centerville, central city, chariton, charles city, cherokee, chester, clarence, clarinda, clarion, clarksville, clear lake, clermont, clinton, clive, coalville, colo, columbus junction, conrad, coralville, corning, council bluffs, creston, danville, davenport, davis city, decatur city, decorah, denison, denver, des moines, dewitt, donnellson, dows, dubuque, dumont, dunlap, dyersville, dysart, eagle grove, earlham, eldora, eldridge, elgin, elk horn, elkader, elma, ely, emmetsburg, essex, estherville, evansdale, fairbank, fairfield, farley, farmington, fayette, fenton, fontanelle, forest city, fort dodge, fort madison, franklin, fredericksburg, galva, garner, george, gilman, gladbrook, glenwood, granger, greene, grimes, grinnell, griswold, grundy center, guthrie center, guttenberg, hamburg, hampton, harlan, harpers ferry, hartley, hawarden, hiawatha, hinkletown, holstein, holy cross, humboldt, huxley, ida grove, independence, indianola, iowa city, iowa falls, ireton, irwin, jefferson, jesup, johnston, kalona, kamrar, kellogg, keokuk, keosauqua, kingsley, kirkman, kirkville, knoxville, lake city, lake mills, lake park, lake view, lansing, larchwood, larrabee, lawton le claire, le mars, leon, lewis, lime springs, linn grove, lisbon, little sioux, logan, lone rock, long grove, lowden, lynnville, macedonia, madrid, manchester, manilla, manning, manson, mapleton, maquoketa, marengo, marion, marne, marquette, marshalltown, mason city, mccallsburg, mcgregor, mcintire, mechanicsville, mediapolis, melrose, miles, milford, minden, mineola, missouri valley, monona, montezuma, monticello, montrose, moravia, morning sun, mount pleasant, mount vernon, muscatine, nashua, neola, nevada, new hampton, new providence, new virginia, newton, nichols, north liberty, northwood, norwalk, oakland, odebolt, oelwein, okoboji, olin, onawa, oran, orange city, osceola, oskaloosa, ottumwa, oxford junction, panora, parkersburg, pella, perry, plainfield, pleasant hill, plymouth, pocahontas, polk city, prairie city, preston, primghar, protivin, randall, randolph, red oak, redfield, reinbeck, remsen, riceville, ringsted, robins, rock falls, rock rapids, rock valley, rockwell, rockwell city, roland, rolfe, sac city, saint ansgar, sanborn, schleswig, sergeant bluff, shelby, sheldon, shell rock, shenandoah, sibley, sigourney, sioux center, sioux city, sioux rapids, solon, spencer, sprit lake, springville, st. ansgar, st. paul, stacyville, stanhope, stanley, stanton, storm lake, story city, stratford, strawberry point, stuart, sully, tama, tiffing, tipton, titonka, toledo, traer, treynor, underwood, urbana, urbandale, van meter, vedic city, ventura, villisca, wahpeton, walcott, walnut, waterloo, waukee, waverly, webster city, west bend, west branch, west burlington, west des moines, west liberty, west point, west union, whittemore, willamsburg, wilton, windsor heights, winfield, wiota, wyoming, zearing. ALL CITIES IN KENTUCKY INCLUDING: berea, bowling green, brandenburg, campbellsville, covington, crestview hills, danville, dawson springs, elizabethtown, erlanger, fort mitchell, fort thomas, fort wright, frankfort, georgetown, glasgow, harrodsburg, henderson, hopkinsville, kentucky lake area, lake barkley, lebanon, lexington, louisville, mammoth cave, monticello, mount sterling, owensboro, paducah, prospect, radcliff, richmong, springfield, west liberty, williamstown, winchester. ALL CITIES IN LOUISIANA INCLUDING: abbeville, addis, alexandra, baker, baton rouge, bogalusa, bossier city, cajun coast, covington, delcambre, erath, eunice, french settlement, gretna, gueydan, hammonnd, harahan & metairie, houma, iberia, kaplan, kenner, kentwood, kinder, lafayette, lafitte, lake charles, laplace, mandeville, minden, monroe, natchitoches, new orleans, opelousas, palmetto, pineville, ponchatoula, rayne, ruston, st. francisville, shreveport, slidell, springhill, vidalia, ville platte, vivian, walker, westwego, winnsboro. ALL CITIES IN MARYLAND INCLUDING: aberdeen, adamstown, annapolis, baltimore, bel air, beltsville, berlin, berwyn heights, bethesda, bowie, catonsville, chesapeake city, chestertown, cheverly, college park, columbia, crisfield, cumberland, delmar, denton, district heights, easton, emmitsburg, federalsburg, frederick, frostburg, fruitland, gaithersburg, garrett park, glen echo, grantsville, greenbelt, hagerstown, heampstead, hancock, havre de grace, hyattsville, indian head, kensington, laurel, leonardtown, manchester, mount airy, mount ranier, myersville, new carrollton, north beach, north chevy chase village, new market, new windsor, oakland, ocean city, ocean pines, pikesville, poolesville, prt towns, preston, princess anne, ridgley, riverdale park, rock hall, rockville, st. mary's city, st. michaels, salisbury, silver spring, smithsburg, snow hill, solomons island, southern maryland, sykesville, takoma parek, taneytown, tilghman island, union bridge, upper marlboro, washington grove, westminster. ALL CITIES IN MASSACHUSETTS INCLUDING: acton, andover, ashland, attleboro, bedford, bellingham, belmont, berkshire, beverly, billerica, boston, brookfield, brookline, cambridge, cape ann, cape cod, carlisle, charlestown, chelmsford, chicopee, clinton, concord, douglas, dracut, eastham, easthampton, easton, essex, everett, fall river, falmouth, framingham, fitchburg, freetown, gloucester, grafton, great barrington, greenfield, groton, hadley, hampden, harwich, haverhill, holliston, holyoke, hopkinton, hudson, hull nantasket, hyannis, jamaica plain, lancaster, lenox, leominster, lexington, lincoln, longmeadow, lowell, malden, manchester by the sea, marlborough, martha's vineyard, mashpee, maynard, medfield, medford, middleborough, mildford, nantucket, needham, new bedford, newburyport, newton, north adams, northampton, northborough, old strubridge, peabody, plymouth, provincetown, quincy, revere, rockport, salem, sandwich, saugus, scituate, shrewsbury, somerville, southern berkshire, springfield, stoneham, sudbury, raunton, tewksbury, tyngsborough, walpole, waltham, wellesley, westborough, weston, westfield, westford, wilbraham, winchester, woods hole, worcester. ALL CITIES IN MICHIGAN INCLUDING: albion, alma, alpena, ann arbor, auburn hills, battle creek, belleville, benzie county, big bay, big rapids, brimingham, bridgman, boyne city, brighton, cadillac, canton, carson city, cass city, cedar springs, charlevoix, charlotte, charlevoix, cheboygan, clinton township, croswell, dearborn, dearborn heights, delhi townsip, delta county, delta township, detriot, dexter, dundee, durand, east grand rapids, east lansing, eastpointe, evart, farmington, farmington hills, ferndale, flat rock, flint, gaylord, grand blanc township, grand haven township, grand ledge, grand marais, grand rapids, grayling, grosse pointe woods, harbor country, harbor springs, hart, hell, holland, homer, houghton lake, howell, hudson, hudsonville, huntington woods, huron township, ionia, jackson, kalamazoo, keego habor, lake odessa, lansing, lansing township, livonia, ludington, mackinac island, manchester, midland, milan, mount pleasant, munising, muskegon, nashville, niles, northville, novi, oak park, oakland township, orion township, owosso, oxford township, petoskey, plymouth, port huron, port sanilac, portage, richmond, rochester, rochester hills, rockford, roseville, saint clair, saint clair shores, saint ignace, saint johns, saint joseph, saugatuck & douglas, sault ste marie, shelby township, south haven, south lyon, southfield, stephenson, sterling geights, sturgis, summit township, taylor, traverse city, trenton, vermontville, wayne, westland, zeeland. ALL CITIES IN NEBRASKA INCLUDING: abie, adams, ainsworth, albion, alda, alexandria, allen, alliance, alma, alvo, amherst, anoka, anselmo, ansley, arapahoe, arcadia, arlington, arnold, arthur, ashland, ashton, atkinson, atlanta, auburn, aurora, avoca, axtell, ayr, bancroft, barada, barneston, bartlett, bartley, bassett, battle creek, bayard, bazile mills, beatrice, beaver city, bee, beemer, belden, belgrade, bellevue, bellwood, belvidere, benedict, benkelman, bennet, bertrand, berwyn, big springs, bladen, blair, bloomfield, bloomington, blue hill, blue springs, boelus, bradshaw, brady, brainard, brewster, bridgeport, bristow, broadwater, brock, broken bow, brownville, brule, bruning, bruno, brunswick, burchard, burr, burton, burwell, bushnell, butte, byron, cairo, callaway, cambridge, campbell, carleton, carroll, cedar bluffs, cedar creek, cedar rapids, center, central city, ceresco, chadron, chambers, chapman, chappell, chester, clarks, clarkson, clatonia, clay center, clearwater, clinton, cody, coleridge, colon, columbus, comstock, concord, cook, cordova, cornlea, cortland, cotesfield, cowles, cozad, crab orchard, craig, crawford, creighton, creston, crete, crofton, crookston, culbertson, curtis, cushing, dalton, danbury, cannebrog, davenport, davey, david city, dawson, daykin, decatur, denton, deshler, deweese, dewitt, dickens, diller, dix, dixon, dodge, doniphan, dorchester, douglas, dubois, dunbar, duncan, dunning, dwight, eagle, eddyville, edgar, edison, elba, elgin, elk creek, elmwood, elsie, elwood, elyria, emerson, emmet, endicott, ericson, eustis, ewing, exeter, fairbury, fairfield, fairmont, falls city, farnam, farwell, filley, firth, fordyce, fort calhoun, foster, franklin, fremont-inglewood, friend, fullerton, funk, gandy, garland, garrision, geneva, genoa, gibbon, bilead, giltner, glenvil, goehner, gordon, gothenburg, grafton, grainton, grand island, grant, greeley, greenwood, gresham, gretna, gross, guide rock, gurley, hadar, haigler, hallam, halsey, hamlet, hampton, harbine, hardy, harrison, hartington, harvard, hastings, hay springs, hayes center, hazard, heartwell, hebron, hemingford, henderson, hendley, henry, herman, hershey, hickman, hildreth, holbrook, holdrege, holstein, homer, hoper, hordville, hoskins, howells, hubbard, hubbell, humboldt, humphrey, huntley, hyannis, imperial, indianola, inman, ithaca, jackson, jansen, johnson, johnstown, julian, juniata, kearney, kennesaw, kennard, kilgore, kimball, lamar, laurel, lawrence, labanon, leigh, leshara, lewellen, lewiston, lexington, liberty, lincoln, lindsay, linwood, litchfield, lodgepole, long pine, loomis, lorton, louisville, loup city, lushton, lyman, lynch, lyons, madison, madrid, magnet, malcolm, malmo, manley, marquette, marsland, martinsburg, maskell, mason city, maxwell, maywood, mccook, mccool junction, mcgrew, mclean, mead, meadow grove, melbeta, memphis, merna, merriman, milford, miller, milligan, minatare, minden, mitchell, monowi, monroe, moorefield, morrill, morse bluff, mullen, murdock, murray, naper, naponee, nebraska city, nehawka, neligh, nelson, nemaha, nezel, newcastle, newman grove, newport, nickerson, niobrara, nora, norfolk, norman, north bend, north loup, north platte, oak, oakdale, obert, oconto, octavia, odell, ogallala, ohiowa, omaha-ralston-bennington-boystown, o'neill, ong, orchard, ord, orleans, osceola, oshkosh, osmond, otoe, overton, oxford, page, palisade, palmer, palmyra, panama, pawnee city, paxton, pender, peru, petersburg, phillips, pickrell, pierce, pilger, plainview, platte center, plattsmouth, pleasant dale, pleasanton, plymouth, polk, ponca, potter, prague, preston, primrose, prosser, ragan, randolph, ravenna, raymond, red cloud, republican city, reynolds, richland, rising city, riverdale, riverton, roca, rockville, rogers, rosalie, roseland, royal, rulo, rushville, ruskin, saint edward, saint helena, saint paul, salem, santee, sargent, saronville, schuyler, scotia, scottsbluff-gering-terrytown, scribner, seneca, seward, shelby, shelton, shickley, sholes, shubert, sidney, silver creek, smithfield, snyder, south bend, south sioux city, spalding, spencer, sprague, springfield, springview, stamford, stanton, staplehurst, stapleton, steele city, steinauer, stella, sterling, stockham, stockville, strang, stratton, stromsburg, stuart, sumner, superior, surprise, sutherland, sutton, swanton, syracuse, table rock, talmage, tamora, tarnov, taylor, tecumseh, tekamah, thayer, thedford, thurston, tilden tobias, trenton, trumbull, uehling, ulysses, unadilla, union, upland, utica, valentine, valley, valparaiso. ALL CITIES IN NEVADA INCLUDING: boulder city, carson city, central sierra, crystal bay, elko, fallon, fernley, henderson, incline village, lake tahoe, las vegas, laughlin, mesquite, north las vegas, pahrump, reno, reno-sparks, sparks, virgina city, wells, wendover, winnemucca, yerinton. ALL CITIES IN OREGON INCLUDING: adair village, adams, adrian, albany, amity, antelope, arlington, ashland, astoria, athena, aumsville, aurora, baker city, bandon, banks, barlow, bay city, beaverton, bend, boardman, bonanza, brookings, brownsville, burns, butte falls, canby, canyon city, cannon beach, canyonville, carlton, cascade locks, cave junction, central point, chiloquin, clatskanie, coburg, columbia city, condon, coos bay, coquille, cornelius, corvallis, cottage grove, cove, creswell, culver, dallas, the dalles, dayton, dayville, depoe bay, detriot, donald, drain, dufur, dundee, dunes city, durham, eagle point, echo, elgin, elkton, enterprise, estacada, eugene, fairview, falls city, florence, forest grove, fossil, garibaldi, gaston, gates, gearhart, gervais, gladstone, glendale, gold beach, gold hill, granite, grants pass, grass valley, greenhorn, gresham, haines, halfway, halsey, happy valley, harrisburg, helix, heppner, hermiston, hillsboro, hines, hood river, hubbard, huntington, idanha, imbler, independence, ione, irrigon, island city, jacksonville, jefferson, johnson city, john day, jordan valley, joseph, junction city, keizer, king city, klamath falls, lafayette, la grande, lake oswego, lakeside, lakeview, lebanon, lexington, lincoln city, lonrock, long creek, lostine, lowell, lyons, madras, malin, manzanita, maupin, maywood park, mcminnville, medford, merrill, metolius, millersburg, mill city, milton-freewater, milwaukie, mitchell,molalla, monmouth, monroe, monument, moro, mosier, mt. angle, mt. vernon, myrtle creek, myrtle point, nehalem, newberg, newport, north bend, north plains, north powder, nyssa, oakland, oakridge, ontario, oregon city, paisley, pandleton, philomath, phoenix, pilot rock, portland, prot orford, powers, prairie city, prescott, prineville, rainier, redmond, reedsport, richland, riddle, rivergrowve, rockaway beach, rogue river, roseburg, rufus, salem, sandy, scapposose, scio, scotts mills, seaside, seneca, shady cove, shaniko, sheridan, sherwood, siletz, silverton, sisters, sodaville, spray, springfield, stanfield, stayton, st. helens, st. paul, sublimity, summerville, sumpter, sutherlin, sweet home, talent, tangent, the dalles, tigard, tillamook, toledo, troutdale, tualatin, turner, ukiah, umatilla, union, unity, vale, veneta, vernonia, waldport, wallowa, warrenton, wasco, waterloo, weston, west linn, westfir, wheeler, willamina, wilsonville, winston, woodvillage, woodburn, yachats, yamhill, yoncalla. ALL CITIES IN OKLAHOMA INCLUDING: ada, altus, alva, anadarko, ardmore, bartlesville, bixby, blackwell, boise city, broken arrow, broken bow, chandler, cherokee, cheyenne, claremore, cleveland, clinton, collinsville, cushing, duncan, durant, edmond, el reno, elk city, enid, erick, eufaula, grove, guthrie, guymon, haskell, henryetta, hobart, idabel, jenks, kingfisher, laverne, lawton, lindsay, locust grove, madill, mangum, marlow, mcalester, medicine park, miami, midwest city, moore, mountain view, muskogee, mustang, newkirk, norman, oklahoma city, okmulgee, oologah, pauls valley, pawhuska, pawnee, piedmont, ponca city, poteau, pryor, salina, sallisaw, sand springs, sapulpa, sayre, seiling, shawnee, skiatook, stillwater, tahlequah, talihina, tulsa, vinita, walters, watonga, waynoka, weatherford, wewoka, woodward, yukon. ALL CITIES IN PENNSYLVANIA INCLUDING: abington township, allegheny township, allentown, altoona, arnold, aston township, avondale, baldwin, bally, bath, bedminster, bellefonte, bellevue, bethel township, bethlehem, bethlehem township, birchrunville, blacklick township, bloomsburt, blossburg, bradford, brentwood borough, bridgeville, brighton township, bristol township, brookhaven, brookville, caernarvon township, camp hill, carbondale, carlisle, carroll valley, carrolltown, castle shannon, chalfont, chambersburg, champion, charleroi, charlestown township, chester, chestnuthill township, clarion, clarks summit borough, college township, collegeville, concord township, conemaugh township, connellsville, conshohocken, corry, courtdale, covington township, cranberry township, cumru township, danville, downingtown, doylestown township, dublin, dubois, east brandywine township, east caln township, east goshen township, east rock hill, easton, easttown township, eddystone, edgewood, edinboro, elizabethtwon, elverson, emlenton, ephrata, erie, exeter township, fairview township, falls township, ferguson township, franklin, franklin township, franklintown, gettysburg, girard, gladwyne, green township, greentree, grove city, hampden township, hanover, harborcreek township, harris township, harrisburg, hatboro, hatfield township, hazleton, hermitage, hershey, hilltown township, hollidaysburg, homer city, horsham township, huntingdon, irwin, ivyland, jefferson hills, jenkintown, johnstown, jones township, jonestown, kane, kennett square, king of prussia, laceyville, lackawaxen township, lake city, lancaster, lancaster township, landenberg, lansdale, ligonier, lititz, lock haven, london grove township, lower allen township, lower burrell, lower makefield township, lower merion township, lower paxton township, lower pottsgrove township, malvern, manheim, manor township, mansfield, marietta, marple township, meadville, media, mercer, mercersburg, middlesex township, milton, monroe township, monroeville, moon township, mount joy, mt. lebanon, mount pleasant, mountaintop, munhall, murrysville, nanty glo, narberth, nazareth, new albany, new britain township, new castle, new hanover township, new kensington, new london township, newtown township, newville, norristown, north east, northampton township, o'hara township, oil city, palmerton, palmyra, parkesburg, patterson township, patton township, pen argyl, penn township, pennsbury, township, perkasie, peters township, philadelphia, phoenixville, pine township, pittsburgh, pittston, pleasant hills, plum, plymouth township, pottsville, punxsutawney, radnor township, rapho township, reading, reynoldsville, rice township, ridgeway, roaring spring, ross township, st. marys, schuylkill township, schwenksville, scottdale, scranton, sellersville, seven fields, sharpsville, shippensburg, shrewsbury township, silverdale, skippack township, slipperty rock, somerset, south coventry township, south middleton township, springettsbury township, springfield township, state college, stellton, stewartstown, stroud township, stroudsburg, swarthmore, thornbury township, titusville, tobyhanna township, towamencin township, tredyffrin township, tunkhannock township, upper dublin township, upper macungie township,upper makefield township, upper merion township, upper pottsgrove township, upper st. clair township, upper southampton township, uwchlan township, valley forge, wallace township, warwick township, wayne, waynesboro, wellsboro, wernersville, west bradford township, west brandywine township, west chester, west gosher township, west hanover township, west mifflin, west rockhill, west vincent township, west whiteland township, westtown township, white haven, white oak, whitemarsh township, wilcox, wilkes-barre, wilkinsburg, williamsport, willistown township, wilson, wormleysburg, york, youngwood, zelienople. ALL CITIES IN SOUTH DAKOTA INCLUDING: aberdeen, alcester, alexandria, allen, arlington, armour, bellefourche, beresford, bison, black hawk, bonesteel, box, brandon, britton, brookings, burbank, buffalo, bullhead, burke, chamberlain, clark, clear lake, cluster, colome, crow lake, dakota dunes, deadwood, dell rapids, desmet, dupree, eagle butte, edgemont, elder, elk point, elkton, ellsworth air force base, estelline, eureka, faith, faulkton, flandreau, ft. pierre, ft. thompson, gettysburg, glenham, gregory, groton, hamill, harrisburt, hartford, hayti, hermosa, herreid, highmore, hill city, hisega, hot springs, howard, humboldt, huron, ipswich, irene, isabel, jefferson, johnson siding, kadoka, kennebec, keystone, kyle, lake andes, lake preston, lead, letcher, lemmon, leola, little eagle, lower brule, madison, martin, mcintosh, mclaughlin, meckling, midland, milbank, miller, mission, mitchell, mobridge, mound city, murdo, nemo, north sioux city, oelrichs, olivet, onida, parker, philip, piedmont, pierre, pine ridge, plankinton, pollock, rapid city, redfield, rosebud, salem, shelby, sioux falls, sisseton, spearfish, st.francis, st.onge, sturgis, tyndall, unioncenter, vermillion, volga, wakonda, wakpala, wall, wanblee, wasta, watertown, waubay, webster, wessington, wessington springs, white, white river, whitwood, witten, winner, wolsey, woonsocket, yankton. ALL CITIES IN TEXAS INCLUDING: abilene, addison, alvin, amarillo, arlington, athens, austin, baytown, beaumont, bedford, bellaire, benbrook, big bend, boerne hill country, bonham, borger, bremond, brownfield, brownsville, bryan, bryan college station, burkburnett, burleson, caldwell, calvert, cameron, canadian, canton, canyon, carrollton, cedar hill, cedar park, centerville, clear lake, cleburne, coleman, college station, colleyville, coppell, corpus christi, daingerfield, dallas, decatur, del rio, denton, duncanville, eldorado, el paso, ennis, farmers branch, flower mound, forney, fort worth, franklin, fredericksburg, freindswood, frisco, galveston, garland, gatesville, georgetown, graham, granbury, grand prairie, grapevine, greenville, hallettsville, halton, hamilton, harlingen, hewitt, hico, hill country, hillsboro, houston, hughes springs, humble area, huntsville, hurst, irving, jefferson, katy, keller, kerrville, kilgore, killeen, kingsville, kingwood, la grange, lampasas, laredo, leander, ledbetter, levelland, lewisville, live oak, llano, longview, lubbock, lufkin, mansfield, marble falls, marlin, marshall, mason, mcallen, mckinney, mesquite, midland, missouri city, mount pleasant, nacogdoches, nassau bay, new braunfels, north richmond hills, odessa, onalaska, padre island, pampa, paris, parker, pasadena, pearland, pecos, pittsburg, plainview, plano, plano town square, portland, possum kingdom lake, ravenna, richardson, richland hills, river oaks, robinson, rosenberg, round rock, round top, rowlett, sachse, salado, san angelo, san antonio, san benito, san marcos, seabrook, seguin, silsbee, smithville, somerville, sour lake, southlake, south padre island, spearman, sugar island, sweetwater, taylor, temple, texarkana, texas city, three rivers, toledo blend lake, tyler, vidor, waco, watauga, webster, weslaco, west university place, westchase district, westlake, wichita falls, wimberley, winnsboro, woodlands, woodway, wylie. ALL CITIES IN WASHINGTON INCLUDING: aberdeen, airway heights, almira, anacortes, auburn, bainbridge island, beaux arts, bellevue, bellingham, benton city, birch bay, blaine, bonney lake, bothell, bremerton, brewster, brinnon, burien, burlington, camano island, camas, carnation, centralia, chehalis, chelan, cheney, chewelah, chimacum, clallam bay, clarkston, clyde hill, colfax, colville, concrete, cosmopolis, coulee city, covington, coupeville, crescent bar, dayton, deer park, des moines, dungeness, duvall, east wenatchee, eastsound, edgewood, edmonds, ellensburg, enumclaw, ephrata, everett, fall city, federal way, ferndale, fife, forks, freeland, fremont, friday harbor, gig harbor, george, goldendale, grand coulee dam, grandview, greenbank, greenwood, haquiam, hunts point, irondale, issaquah, kalama, kelso, kenmore, kennewick, kent, kettle falls, kingston, kirkland, la conner, la crosse, lacey, lake chelan, lake forest park, lake stevens, lakewood, langley, leavenworth, lind, long beach, longview, lopez island, lynden, lynnwood, maple valley, marblemount, marysville, mccleary, medina, mercer island, methow, methowvalley, mill creek, monroe, montesano, morton, moses lake, mount vernon, mountlake terrace, mukilteo, naches, newcastle, nordland, normandy park, north bend, oak harbor, ocean park, ocean shores, odessa, okanogan, olympia, omak, orcas island, othello, pacific, packwood, pasco, pateros, phinney ridge, port angeles, port gamble, port hadlock, port ludlow, port orchard, port townsend, poulsbo, prosser, pullman, puyallup, quilcene, quincy, redmond, renton, republic, richland, rockport, sammamish, san juan islands, sea tac, seattle, sedro, sekiu, sequim, shelton,shoreline, silverdale, snohomish, snoqualmie, soap lake, south bend, spokane, stevenson, sultan, sumner, sunland estates, tacoma, tenino, roledo, tonasket, topenish, tukwila, tumwater, twisp, university place, vancouver, vashon island, walla walla, warden, wenatchee, west plains, west richland, west seattle, westport, whidbey island, white salmon, wilbur, wilkeson, winchester, winthrop, woodinville, woodland, woolley, yakima, yelm, zillah. ALL CITIES IN WYOMING INCLUDING: aladdin, basin, beulah, big piney, buffalo, casper, cheyenne, cody, dubois, evanston, gillette, hulett, jackson, jackson hole, kemmerer, lander, laramie, lusk, medicine bow, new castle, northeast wyoming, pine bluffs, pinedale, powell, rawlins, riverton, rock springs, saratoga, sheridan, star valley, story, sundance, thermopolis, torrington, upton, wind river, worland, worland-ten step, yellowstone.
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