I apparently had not enough equity to replace the roof on my house because of my debt incurred by buying the house using VA loan and credit card debt. I was only given 1% interest relief on credit card debt. I am a healthcare worker, and a US Navy Veteran who was quarantined several times last year because of Covid 19. Hardship to replace a broken roof did not matter. I guess it does not matter if your roof fell apart or your fence fell apart during the last storm after going thru *** in healthcare this last year. Thank a Vet with benefits like this. User's recommendation: Don't Waste Your Time They Only Want Retired Rich Vets.