Attn: Is your home financed by Bank of America?

Short Sale Update

February 4, 2016 


Distressed California Homeowners May Qualify for California’s Keep Your Home California Transition Assistance Program (TAP)     

If you live in California and feel that you can no longer afford your home and are pursuing a short sale or a deed in lieu of foreclosure, you may be eligible for financial help with your relocation to alternative housing.

Click here for San Diego Foreclosures

The funds come from the Transition Assistance Program (TAP), part of the Keep Your Home California Program.

The state of California is providing up to $5,000 in transition assistance to qualified homeowners who can no longer afford to stay in their homes. Here’s what you must do:

  • Apply for the funds through the “Keep Your Home California” website or by calling 1.888.954.5337.
  • Maintain their home until it is sold or returned to the lender via a negotiated deed in lieu of foreclosure.

For qualified homeowners, these state funds may be used in addition to any other transition assistance that the homeowner may receive by participating in the Federal Home Affordable Foreclosure Alternatives (HAFA) program or in any other pre-offer short sale program.

Click here for San Diego Short Sales

To learn more about the Transition Assistance Program’s guidelines, and how you may qualify, please visit the program’s website at You can also call 1.888.954.5337 and identify yourself as a Bank of America customer.

To see the latest information home/rental information nationwide on your phone download my FREE mobile app here. It connects you directly to me, not some company that monitors your search habits and resales that information to third parties.

Proud to serve,


“Changes” in staging your home to sell

2016-02-03 15.37.18

Staging homes for sale has evolved over the past decade, but has been a proven method to get buyers to make an offer. Some ideas have changed, but others have stayed tested and true. Here are some current staging tips from the pros.

Condo’s & Townhomes in Scripps Ranch for sale

Nix the Stage Set: Setting the dining table with plates, cutlery and glasses, or placing a breakfast tray at the foot of the bed appears too contrived to savvy buyers.

Replace Traditional Furniture: Rent or buy inexpensive contemporary furniture to stand in for pieces that appear dark, heavy, old or ornate.

A New Coat of Paint: It makes a place look clean and fresh – it’s the best money you can spend on staging.

Embrace the Accent Wall: While most walls should be painted neutral hues, some stagers now use a bold color or wallpaper on a single wall.

New Towels and Linens: Fresh, fluffy towels and crisp white bed linens are an inexpensive way to suggest luxury.

Short Sales & Foreclosures in San Marcos

Edit Personal Photos: Stagers used to recommend removing all personal photos, so potential buyers could picture themselves in the home. Now, many say it’s acceptable to leave some photos if they are pleasant or evocative images in handsome frames.

Reduce Clutter: Long considered one of the most vital aspects of preparing a home for sale, it may be more important than ever to tidy up and sell, store, donate or dispose of unnecessary goods.

Clean Out Closets: Having space in closets makes them look larger.

Avoid Scents: Smells that are pleasing to you may be off-putting to potential buyers. Avoid scented candles, fragrant flowers and baking or cooking right before showings.

Do you have of your own staging tips? We’d love to hear from you.


Talmadge Condo Cutie Under $169k

You asked for it, you got it. Now is the time if you have been looking for a home in Talmadge! I actually know the owner and home, it has been well taken care of, has 1 large bedroom with the bath and toilet separated from the sink area. This home has lots of light with vaulted ceilings and stainless steel appliances.

The complex is built in the Hacienda style and is well maintained. I met the President of the HOA and can promise you that there is pride in ownership. This particular unit has Saltillo tiles throughout to give you that Hacienda feel. It’s a groovy complex and there is parking too.

Photos will be coming soon… until then enjoy these images of the Talmadge sisters…. there is more info on them below.

If you are looking for a great place to put your money while the markets are free falling… this condo has rented for $1,000 monthly in the past.

This place will not last long…. there simply are very few homes at this price.

Interesting information about the Talmadge community according to Wikipedia:

The community is named after the Talmadge sisters (Norma, Natalie and Constance), who were silent film stars. In 1927, the Talmadge sisters opened the Talmadge Park real estate development, which contains streets named for each of the sisters.

The architecture in Talmadge is eclectic, with styles including Spanish Revival, California bungalows, Cape Cod cottages and Normandy Style homes. Cliff May, a renowned Southern California architect, designed several homes in Talmadge. Kensington and Talmadge are sometimes grouped together as one community for official purposes, and they are part of the same community planning area.


A day in the life of a Real Estate team. Writing contracts, locking down beach rentals for sale and previewing new condo developments. We LOVE our jobs!!!


Before going to H&R Block, Your Accountant or Tax Preparer


  • KNOW what you’re signing-  I’m guilty of this myself and so are many of our clients. I hand over all my paperwork to my accountant – let him do the math and sign the returns when done.  Sometimes I get a refund, often I owe money.  I don’t really know what’s going on with my taxes, I trust my guy. For many of our clients they operate the same way.  However, in the year or two leading up to the purchase or refinance of a home, our clients need to know what NET numbers are showing on their taxes. I cannot tell you how many times I talk to clients who are shocked to find out that they think they make $200,000 a year; however, are only showing net income on their tax returns of $72,000 a year.  Our clients need to realize that it is this taxable net income that is used for qualifying – not the gross income clients have in mind.
  • Beware of 2106 expenses-   Hidden on page 2 of a standard tax return is something called 2106 expenses. These are non-reimbursed business expenses.  This figure, if present, is deducted dollar-for-dollar from the approved income.  So, a teacher who makes $65,000 – yet claims $20,000 in non-reimbursed business expenses such as supplies and training not reimbursed by their employer, will only have net income of $45,000 to go towards the loan approval.
  • Change of entity types –  Usually clients are looking to buy a home right around the time they start to make more money.  Unfortunately, this increase in income usually comes with an accountant who recommends the formation of a new entity [through which our potential buyer is getting paid].  For example, let’s take a self-employed make-up artist who has recently increased her earnings from $75,000 a year to $175,000 a year due to a new show she is working on.  This increase in income may simultaneously prompt her to want to buy a house, but may also prompt a change in the nature by which she receives her income.  Changing from a Self-employed Schedule C on the tax returns, to a S-corporation with a new pay structure can kill your ability to get the loan done.  There are LOTS of solutions and workarounds here, however, like most things, we need some time to plan.  We need to get the pre-approvals to your lender early so we can game-plan and work with underwriting on a solution.
  • Reviewing draft tax returns –  If you don’t know what your signing, that’s what we are here for.  My team is happy to review a draft copy of the 2015 tax returns with your clients BEFORE you file with the IRS. This will allow us to review the income, expenses and deductions prior to the final returns being filed.


Real Estate agents are here to help you buy/sell a home. REALTOR teams take it to the next level by assembling professionals to assist you in making wise financial decisions for you and your family. Make sure you surround yourself with a team that understands your needs and will work with you to achieve them.



Beware: California Foreclosure Rescue Companies Scamming Hispanics

A trio of California foreclosure rescue companies targeted Hispanics with fake loan modifications, offering the false promise of mortgage relief in exchange for thousands of dollars, the Department of Housing and Urban Development alleged Tuesday.

HUD announced Tuesday that it is charging three California-based foreclosure rescue companies, The Home Loan Auditors, Century Law Center and SOE Assistance Center, with violating the Fair Housing Act by targeting Hispanic homeowners for “illegal or unfair loan audit and loan modification assistance because of their national origin.”

According to HUD, from 2008 to 2010 these three companies and nine of their agents lured struggling Hispanic homeowners into paying thousands of dollars for home loan audits that the homeowners never received and promised loan modification services that actually had little, if any, value.

HUD also said that the companies allegedly exploited the homeowners’ limited English proficiency and used deceptive marketing in Spanish, including making false representations, in order to mislead them into paying for loan modification services.

“Families struggling to stay in their homes need real help, not false promises that make a bad situation worse,” said Gustavo Velasquez, HUD Assistant Secretary for Fair Housing and Equal Opportunity. “HUD will continue to take appropriate action against individuals and companies that victimize unsuspecting homeowners because of where they come from or the language they speak.”

According to the complaint from HUD, The Home Loan Auditors allegedly created several Spanish-language promotional vides and other presentations that falsely presented the company’s ability to secure loan modifications.


HUD’s complaint notes that home loan audits are “useless” in securing a loan modification or any form of mortgage relief.

HUD’s complaint also alleges that THLA directly solicited some consumers with Spanish-language letters replete with misleading information.

In one example provided by HUD, the solicitation letter was an “official-looking” form that falsely stated in Spanish that the borrower’s mortgage provider was currently under investigation for fraudulent mortgage practices and promised that if the borrower became part of a lawsuit against the lender, the borrower could stop their foreclosure, reduce their monthly mortgage payments, reduce the balance owed on their loan, and/or receive monetary compensation.

In another example, a borrower was promised that their mortgage payment would be reduced to reflect the “current market value” of their home in exchange for $10,000.

The borrower was then instructed to stop communicating with their lender and stop paying their mortgage as well.

HUD notes that until contacting THLA and engaging in its services, the borrower had been current on their mortgage and only fell behind in their payments when instructed to do so by THLA.

HUD states that all the affected homeowners ultimately lost their properties due to foreclosure.

HUD notes that its charge will be heard by a United States Administrative Law Judge unless any party to the charge elects to have the case heard in federal district court.

If an administrative law judge finds after a hearing that discrimination has occurred, he or she may award damages to the complainants for their loss as a result of the discrimination.

The judge may also order injunctive relief and other equitable relief, to deter further discrimination, as well as payment of attorney fees. In addition, the judge may impose civil penalties in order to vindicate the public interest. If the case is heard in federal court, the judge may also award punitive damages to the complainants.

Recent articles by Ben Lane

Ben Lane is the Senior Financial Reporter for HousingWire. In this role, he helps set a leading pace for news coverage spanning the issues driving the U.S. housing economy. Previously, he worked for TownSquareBuzz, a hyper-local news service. He is a graduate of University of North Texas.

El Niño is Coming, El Niño is Coming

www.SanDiegoRealEstateVeterans.comThe forecast for this winter seems to bring with it a prediction for a new El Niño. With that in mind here are a few tips to prepare for the anticipated downpours.

  • Clean out your rain gutters and downspouts. Clean all of them before it rains, then check and clean them after the first rain. Leaves and debris from your roof may have accumulated in rain gutters after the rain. Make sure your rain gutters aren’t damaged.
  • Fix any leaks before it starts to rain. Check your roof for any trouble areas.
  • Invest in an emergency generator. Think about a portable generator or permanent standby generator that comes on automatically when the power goes out.
  • Check any decks and balconies. Make sure water flows away from your walls and foundation.

Condo’s & Townhomes under $100,000 in San Diego County

  • If your crawl space or garage could be flooded, think of installing a sump pump. El Niño rains can cause water to gather where you normally don’t find it.
  • Have an arborist check your trees. Trees may look fine, but can be weak. Wet branches weigh more and they can break.
  • If you live on a hill or below a hill, talk to your neighbors. Drainage from your yard may cause water to damage your neighbor’s house. Your neighbor’s drainage may flood your home.
  • Store your outdoor patio furniture or securely cover it. Put your potted plants in a covered area. Too much water and rain can damage them.
  • Know where your sprinkler controller is located. Learn how to turn off your automatic sprinklers. You may not need to water for weeks or months.
  • Talk to your insurance agent about purchasing flood insurance. Even though you may not live in a flood area, flood insurance may protect you from mud and water damage losses. Flood damages are not usually covered by homeowner’s insurance.

Foreclosures in Chula Vista

  • Plan what you’ll do if water starts to infiltrate your home. Have sandbags, plywood, on hand to divert water away from your home.
  • Check the lights in your car, headlights, brake lights, turn signals and emergency flashers.
  • Replace your windshield wipers. You don’t need wait until it’s raining to realize you should have changed the wipers.
  • Have your mechanic check your car’s tires. Check for tread wear and proper inflation. Both can be the cause of serious accidents in the rain.
  • Talking about cars, how old is your car battery? Ask your mechanic to check the battery. It may be better to replace it before it fails in the rain

Do you have any tips you’d like to share with us? We’d love to hear from you.


Electrical Outlet Update

HQS Update – Electrical Outlets

In 2010, the Department of Housing and Urban Development (HUD) issued PIH Notice 2010-10 (HA) to clarify Housing Quality Standards (HQS) requirements when evaluating electrical outlets during inspections. The Housing Authority of the County of San Diego is now following these guidelines with all HQS inspections.


Types of outlets: outlet


Ungrounded Outlets
Older construction (pre-1975) housing will usually have ungrounded two-pronged outlets, which is an acceptable type of outlet under the HQS. (Figure 1) An owner does not need to upgrade the electrical system of the unit (convert two-pronged outlets to three-pronged) in order for the unit to pass an HQS inspection.

Grounded Outlets
Newer construction housing will usually have three-pronged outlets, which are acceptable under HQS if the outlets are grounded. (Figure 2)

“Upgraded” Outlets
Many of the cords for today’s appliances contain three-pronged plugs, which can cause problems when an older home does not have three-pronged outlets for these grounded plugs. In the case of older homes, owners often replace two-pronged, ungrounded outlets with three-pronged, grounded type outlets in order to establish appropriate outlets for appliances that have cords with three-pronged plugs. However, in some cases, owners may replace two-pronged, ungrounded outlets with the three-pronged, grounded type outlets without the necessary rewiring that adds a ground wire to the newly installed, grounded type outlet. Three-pronged, grounded type outlets should not be substituted for ungrounded outlets unless (1) a ground wire is connected to the outlet, or (2) a Ground Fault Circuit Interrupter (GFCI) Breaker or outlet protects the outlet. (Figure 3, outlet option) Installing a new ground wire may require a licensed electrician to install a new wire to the circuit breaker box and may be prohibitively expensive. A more cost-effective method is to protect the outlet with a GFCI, which provides protection to the outlet. If the GFCI senses a difference in current flow between the hot and the neutral terminals, it shuts off the flow of current to the outlet.

GFCI breakers may also be used to protect the outlets.

An older construction house with a grounded outlet (Figure 2) would be an indication that the unit may have undergone some upgrading. In such cases, the Department recommends testing a sample of outlets in the unit to determine if three-pronged outlets are in proper operating condition, in addition to verifying the proper operating condition of the required number of outlets per room.

Three-pronged Outlets
A three-pronged outlet must meet one of the following three standards for the inspector to consider the outlet in “proper operating condition” as required by HQS:

1. The outlet is properly grounded.
2. A GFCI protects the three-pronged, ungrounded outlet. (a GFCI outlet does not need to be grounded)
3. The outlet complies with the applicable state or local building or inspection code.

The inspector will use an outlet tester to determine whether the outlet is properly grounded. Units with Outlets that are not properly grounded or protected will not pass the HQS inspection. A GFCI can be located at the outlet that is being tested or upstream on the circuit of the outlet. The inspector should “trip” all of the GFCIs in the unit; both at the outlet and in the circuit breaker box and determine if there is power to the ungrounded outlet. If the power to the outlet is off, then one of the GFCIs protects the outlet.

Occasionally, a GFCI may be located on the circuit breaker at the load center (circuit breaker box).

The image below depicts a GFCI breaker: the distinctive indicator is the “Test” button mounted on the breaker.


An inspector may want to “trip” the GFCI in order to identify that the power shuts off to any ungrounded outlet that is protected by the breaker. To “trip” the GFCI, the inspector will press the test button and the switch will move and shut off power to the circuit. This allows the inspector to verify that the outlet is GFCI- protected.

A GFCI is in proper operating condition if pressing the “TEST” button on the GFCI trips the circuit and shuts off power through the receptacle.

Excerpted from HUD Notice PIH 2010-10 (HA)

VETERANS Day Food & Drink Freebies

Being a VETERAN I can speak from experience, the only thing I like more than eating and drinking is DISCOUNTED eating and drinking.

Below is an alphabetical list of fine establishments across the country which are offering discounts to VETERANS on and around VETERANS Day. Take a look, if you have any questions please call the restaurant for more information.

I would like to thank the folks at for compiling this list of businesses that support our Active Duty personnel and VETERANS.


54th Street Grill

Free meal, up to $12 value, valid for current and former service members on Veterans Day, November 11th. Proof of service required.


Veterans and active duty military receive a free meal from a limited menu on November 11th.


1 FREE Roast Beef Classic Sandwich on Veterans Day Wednesday, 11/11/2015 at participating locations during normal business hours.

Arooga’s Grille House & Sports Bar

Veterans and active duty military members will get one complimentary item from a fixed menu including some of Arooga’s favorites such as their famous Crab Pretzel, Arooga’s Chopped Salad, Blackened Chicken Caesar Salad,  Buffalo Chicken Flatbread, its Original Bacon Grind Burger, BBQ Pulled Pork Sandwich, Grilled Cheese and Creamy Tomato Basil Soup, Spicy Italian Wrap or Sub, Original Boli, and, of course, their world famous boneless wings (10) tossed in any one of their more than 30 sauce creations.

Bakers Square

Wednesday, November 11, 2015 get a free breakfast.  Choose from Buttermilk Pancakes, Belgian Waffle or French Toast.

Bar Louie

From open to close Tuesday, November 10th and Wednesday, November 11th Bar Louie locations across the country will offer veterans and active military personnel a free meal up to a $12 value when they show valid military I.D. or other proof of service.

BJs Restaurant and Brewhouse

Complimentary lunch entree, up to $9.95 value. Offer valid to all active duty military and veterans, with proof of service.

Bob Evans

On Veterans Day, and every day, Bob Evans restaurants are honored to serve veterans and active duty military personnel with fresh, never frozen sausage, real hand-cracked eggs from local farmers, and freshly prepared food. This year, the restaurant will honor veterans with a choice of select free breakfast items on November 11, 2015 at all Bob Evans restaurants.

Bonanza Steakhouses

Active duty and retired military get a free buffet on November 11, 4 pm to close.

Boston Market

Get a free dessert with the purchase of any individual meal this year on Veterans Day from Boston Market.

Brann’s Sizzling Steaks & Sports Grille

Wednesday, November 11, 2015 get a free 6 oz. Sizzling Sirloin with 2 sides.

Buehler’s Grocery in Ohio

Free breakfast meal and coffee for veterans Wednesday, November 11, from 7:00 to 11:00 AM.The free breakfast meal includes any items under “Breakfast Meals” on their menu.

Buffalo’s Cafe

All veterans and active duty military eat free on Wednesday, November 11.


Get a complimentary small (6 oz.) sundae. Customers can opt for Vanilla, Chocolate, or Swirl topped with whipped cream and a cherry on Wednesday, November 11.

California Pizza Kitchen

Veterans and active military receive a complimentary entrée from a special menu on November 11th.

Calhoun’s Restaurants

On Veterans Day, November 11, get a free meal (choice of Hickory Smoked Bar-B-Que Half Slab of Ribs, Hickory Smoked Bar-B-Que Pork Plate, “Ale” Steak, Fresh Chicken Calhoun, and Southern Fried Catfish). Proof of Service required.


Get a free appetizer of your choice from Monday, November 9 through Sunday, November 15. There’s no purchase necessary or coupon required; you just need to bring military ID or come in your uniform.

Carrows Restaurants

Veterans and active duty military will get a free slice of pie on Veterans Day.


Active, inactive, and retired military personnel get a free Small Sirloin Steak Dinner on November 11.

CentraArchy Restaurants

Free meal for veterans and 25% off meals for accompanying guests on Wednesday, November 11th, at Fiesta del Burro Loco, all California Dreaming restaurants, Carolina Roadhouse, all Chophouse 47 restaurants, Gulfstream Cafe, Joey D’s Oakroom all New York Prime restaurants, and The Tavern at Phipps.


Champps is giving veterans and active duty military a free meal on November 11, 2015. This offer is for dine-in only and is available at participating locations only, so be sure to call ahead. You’ll need to bring in proof of military services with you to your local Champps location such as your U.S. Uniforms Services ID Card, U.S. Uniforms Services Retired ID Card, Current Leave and Earnings Statement, Veterans Organization Card, DD214, or wear your uniform.

Charlie Brown’s Fresh Grill

Wednesday, November 11th get a free meal from a limited menu.

Cheeseburger in Paradise

Free Veterans Burger with fries on Veterans Day, Wednesday, November 11th.

Chevy’s Fresh Mex

Chevy’s Fresh Mex will be offering a 20% discount to all military persons in uniform or with valid ID. The offer is valid toward the individual only, not the whole check.


Chili’s is offering Veterans and active duty military (with proof of service) their choice of any lunch combo, or your choice of a dinner meal from a select menu, including any full-size flatbread. Offer only available at participating Chili’s in the U.S. only. Dine-in from limited menu only; beverages and gratuity not included.


Participating locations are offering a free meal to all veterans and those currently serving. ID required. Please call ahead to verify.

Chuck E. Cheese

All U.S. Armed Forces veterans and active-duty military get 20 free tokens upon a visit to Chuck E. Cheese’s. Military ID or proof of service is required, but no coupon is needed.

City Barbeque

All military members and veterans can visit City Barbeque on Wednesday, November 11 for Veterans Day to get a free sandwich platter. Not all locations may be participating, so be sure to call first.

Claim Jumper Restaurant

Complimentary meal on Veterans Day.  Choices include Chicken Pot Pie, Jambalaya Pasta, Chinese Chicken Salad, Classic Cheeseburger, Meatloaf Supper, Roasted Tri-Tip, Grilled Shrimp, Simply Grilled Chicken Breast, Atlantic Salmon, Country Fried Steak and Black Tie Chicken Pasta.

Coco’s Bakery

Active military and veterans who visit Coco’s Bakery on November 11, 2015, will receive a free slice of pie! Just be sure to come in with your military ID so they can confirm that you are or were in the military.

Cotton Patch Cafe

Free Veterans Day meals to veterans and active military on November 11th. You can get a free full size chicken fried steak or chicken fried chicken as long as you bring along a form of military ID.

Country Buffet

Free lunch buffet from 11am to 2pm on November 11th.

Country Cookin

November 10th get a free meal for current and former military. Proof of service required. Please note the date – this is valid the day before Veterans Day!

Cowboy Chicken

Buy one entree, get one free with the purchase of 2 drinks on Veterans Day.

Cracker Barrel Old Country Store

Complimentary Double Chocolate Fudge Coca-Cola Cake dessert during lunch and dinner on November 11.

CraftWorks Restaurants & Breweries

CraftWorks Restaurants & Breweries, Inc. is showing their appreciation for service members this way by giving away free complimentary craft beer to retired and active military members. This offer takes place Wednesday, November 11, at participating locations. Check with your favorite location to see if they’re doing this Veterans Day offer: Gordon Biersch Brewery Restaurants, Rock Bottom Restaurants & Breweries, and Old Chicago Pizza & Taproom. Some locations may be prohibited from giving away free beer, and will therefore give out a free appetizer in its place.


Get a free Build Your Own Grand Slam® on November 11th, from 5 a.m. to noon for all active, inactive, and retired military personnel. Participating locations only.

DoubleTree by Hilton

Veterans and active duty military can visit any DoubleTree by Hilton hotel in the US, all day long, on Wednesday, November 11 to get a free chocolate chip cookie as part of their Cookie Care campaign.

Einstein Bros Bagels

Any veteran and active military member can stop by their local Einstein Bros Bagels on Wednesday, November 11 and get a free coffee. No purchase is required to get the free coffee, but you do need to show military ID.

Famous Dave’s

Get a free 2-Meat Salute on 11/11 when you show ID.

Fatz Eatz & Drinkz

Free World Famous Calabash Chicken® meal for current and former military members, 11am until close on November 11th. Proof of service required.


In honor of Veterans Day, Fazoli’s is offering a free “Build Your Own Pasta Bowl” to Veterans and Active Duty Military on November 11th. To receive offer, visit a participating location and bring Military ID or wear your uniform.


Veterans and active service members get a free medium 1 topping pizza on Nov. 11.

Firebirds Wood Fired Grill

Dine with a veteran or active duty service member on Veterans Day & their lunch or dinner is Firebird’s treat. Wednesday, November 11, 2015. Receive one complimentary military entrée (equal to or less than your entrée purchase).

Fox & Hound and Bailey’s Sports Grille

Free Sandwich or Entree (up to $10) for active duty military and veterans with ID or proof of service on Veterans Day, November 11th. Dine-in only and only at participating locations.


Veterans and active duty military get a free breakfast, lunch, or dinner with ID. Dine-in only. Limited to one per person. Must show ID or discharge papers. Participating locations only.

Gigi’s Cupcakes

All active duty or retired military members can get a free cupcake this Veterans Day on Wednesday, November 11.

Glory Days Grill

With proper ID, veterans can enjoy a free appetizer or an order or boneless wings at Glory Days Grill on Wednesday, November 11th.

Golden Corral

The 15th annual Golden Corral Military Appreciation dinner will is available to any person who has ever served in the United States Military. Golden Corral Restaurants’ Military Appreciation Night free dinner will be available on November 11th, from 5 p.m. to 9 p.m. Military retirees, veterans, active duty, National Guard and Reserves are all welcome.

Graeter’s Ice Cream

Complimentary regular sundae to all Veterans and those currently serving in the U.S. Military on Veterans Day, Nov. 11, 2015. Nov. 11 is also National Sundae Day, making it the perfect opportunity to be able to celebrate our country’s national heroes with a sweet treat.

Green Mill Restaurant and Bar

Green Mill honors our military on Veterans Day, Wednesday, November 11 with a free menu item for lunch or dinner. Offer includes any single item from our menu. Pizza restricted to a small one-topping Deep Dish. Offer is available for dine-in only. We’re proud to show our appreciation by serving you.

Grub Burger Bar

Veterans, Retired Military, and Active Duty members with a military ID will receive 50% off of their meal, plus a free Caramel Apple shake for Veterans day this year on 11/11.

HomeTown Buffet

Free lunch buffet from 11 a.m. to 2 p.m on November 11.


Choice of one of the following menu items:  Hooters Burger, Buffalo Chicken Sandwich, Buffalo Chicken Salad, 10-Piece Traditional Wings, 10-Piece Boneless Wings on Veterans Day.

Hoss’s Family Steak & Sea House

Free meal form the American Values Menu, November 11th from 11:00 a.m. to 9:00 p.m. Dine-in only, valid ID or proof of service required. Valid at participating restaurants only.

Hurricane Grill & Wings

Get a free meal from special menu at participating locations on Veterans Day, Wednesday November 11th.


Free breakfast items. Choose from scrambled eggs, hash brown casserole, sausage, bacon, sausage gravy, biscuits, assorted pastries, coffee and more. Valid during regular breakfast hours.

Ikea Swedish Restaurant and Bistro

Free Entrée for Veterans!*Entrée includes a sandwich, hot dish or entrée salad. *Offer valid for active, reserve or retired service members. Please show some form of military ID. These include: a Military ID Card (active/reserve/retired), Current leave and Earnings Statement (LES), Drivers License with Veterans Designation, Photograph in uniform, be wearing uniform (if your service permits), Veterans Organization Card (e.g., American Legion and VFW), DD214, discharge paperwork, or other form of identification. Soup, garden salad, beverage or dessert not included. Dine in only. Offer valid November 8 – 11, 2015. Applicable taxes paid by purchaser. Value up to $9.99. Offer may vary in IKEA Carson and IKEA Portland. Not valid with any other discount or offer.

International House of Pancakes (IHOP)

November 11, participating IHOP Restaurants offer veterans and active duty military free Red, White and Blue pancakes from 7 a.m. to 7 p.m.

JJ’s Red Hots

Veterans and active duty military personnel, here’s a great freebie for you on Veterans Day, Wednesday, November 11th. All day get FREE meals at both JJ’s Red Hots locations, 1514 East Blvd and 15105 John J Delaney Drive. Choose anything you’d like from the menu: Single dog combo, double dog combo, sausage, sides, drinks, dessert. All FREE! No limitations. The entire menu is available. Make sure to bring proof of your military status.

K&W Cafeterias

Anyone with a valid military ID can have a free entree at K&W Cafeterias this Veterans Day. This offer is valid for both dine-in and take-out but only on November 11 from 4:00 PM to closing.

Ker’s WingHouse Bar & Grill

Free order of boneless wings with beverage purchase on Veterans Day.

Krispy Kreme

Free doughnut and small coffee on Veterans Day.


Free chicken or free sausage biscuit from 6 a.m. to 11 a.m.

LaMar’s Donuts

Free donut and 12 oz. coffee on Veterans Day.

Little Caesars Pizza

Free pizza or $5 HOT-N-READY Lunch Combo to all US Armed Forces veterans and active military members between 11:00 AM and 2:00 PM on Veterans Day.

Logan’s Roadhouse

Logan’s Roadhouse supports veterans throughout the year with a 10% discount to guests who present a military or veterans’ ID. On Veterans Day, November 11, those military and ex-military guests will also receive a free dessert.

LongHorn Steakhouse

Complimentary Texas Tonion and non-alcoholic beverage on Veterans Day, November 11. Offer good for Veterans and active-duty military members.

Max and Erma’s

Participating Max & Erma’s locations are offering veterans and active military personnel a free Best Cheeseburger in America Combo meal Nov. 11.

McCormick & Schmick’s Seafood Restaurants

McCormick & Schmick’s is celebrating their 17th annual Veteran’s Appreciation Event on Sunday, November 8th. Veterans will be able to choose a complimentary lunch or dinner entrée from a special menu. Veterans must provide proof of military service. Be sure to contact your local McCormick & Schmick’s as this is valid at participating restaurants only.

The Melting Pot

The Melting Pot in Minneapolis, MN is giving all veterans who come in on November 11 a free 4 course lunch or dinner when they purchase another one of equal value. Reservations are required and military ID is requested.


gives out free 6 oz. cups of frozen yogurt (plus any toppings) to veterans and active duty military all day long at each of their 300+ locations. You’ll need to show military ID or dress in uniform to receive this Veterans Day freebie.

Mission BBQ

Veterans and active duty military get a free sandwich and a slice of cake on November 11.

MOD Pizza

Free pizza or salad to veterans. Offer valid on Wednesday, November 11 only.

Native Grill & Wings

Free meals for Veterans and Active Duty Military on Veterans Day, 11-11-2015. Choose from four options: crispy chicken sandwich, the native stripper platter, personal pizza, or the Native burger.

Noah’s Bagels

Any veteran as well as active-duty and inactive military personnel can stop by Noah’s Bagels on Wednesday, November 11 to get a free medium drip coffee.

NYPD Pizza

FREE 2 pc Pizza + Drink, OR 1 pc Pizza + Salad + Drink on November 11th.


Get a free meal from their $9.99 menu on Monday, November 9. Choices include the Famous Chicken Tenders & Twisted Chips, Bayou Shrimp Pasta, and Chicken Friend Steak, among others.Be sure to bring military ID or proof of service for this free meal.

Old Country Buffet

Free lunch buffet from 11 a.m. to 2 p.m. on Veterans Day.

Olive Garden

is having a Veterans Day free meal for all active-duty military and military veterans who provide proof of service on Wednesday, November 11, 2015. In addition to this, Olive Garden is letting friends and family dining with veterans to have 10% taken off their meals. Choices include Cheese Ravioli, Spaghetti with Meat Sauce, Lasagna, Chicken Parmigiana, Garlic Rosemary Chicken or Unlimited Soup, Salad and Breadsticks.

On the Border

On Veterans Day, veterans and current servicemembers will receive a free choose 2 or choose 3 “Create Your Own Combo”. Dine-in only, proof of service required.

Orange Leaf Frozen Yogurt

All veterans and active-duty military personnel can get a free cup of froyo at any participating Orange Leaf Frozen Yogurt location on Wednesday, November 11, for Veterans Day. Proof of service is required to take advantage of this offer, such as dressing in military uniform or showing military ID, honors, or badges.

Outback Steakhouse

on November 11, 2015 to get a free Bloomin’ Onion and beverage. This offer is for all military personnel that have military ID.Outback Steakhouse is also giving out a military discount of 15% off the total check from November 12 to December 31, 2015, valid for military members and their families.

Panera Bread

1 free You Pick 2 for Veterans and Active Duty members on Nov. 11, 2015 on Veterans Day at participating locations. Bring proof of service.


Free sandwich or a free 3-piece chicken tenders meal. All 46 locations are participating in this Veterans Day offer on November 11, 2015. Just make sure to bring military ID or come in wearing your uniform.

Pie Five Pizza Co.

Free individualized pizza on Veterans Day.

Pinnacle Entertainment (Casinos)

Select locations are offering a free buffet meal for current military members and veterans on Veterans Day. Some locations include Ameristar Casino Resort Spa Black Hawk, Colorado, L’Auberge Casino Resort Lake Charles, Louisiana, Cactus Petes Resort Casino, Jackpot, Nevada, and Retama Park, Selma, Texas. Please call ahead to verify times and participation. ID or proof of service required.

Pizza Factory

In honor of Veterans Day, veterans who show up with a military ID to a Pizza Factory on Wednesday, November 11 can get a free lunch special or lunch buffet.

Pizza Schmizza

Complimentary slice of pizza on Veterans Day.


PoFolks is honoring vets and active military personnel by giving out a free 2-piece chicken dinner on November 11, 2015. This offer is for dine-in only.

Pollo Tropical

Take 15% off on Veterans Day.

Ponderosa Steakhouse

Active duty and retired military get a free buffet on November 11, 4 pm to close.

Primanti Bros

Free Sandwich for veterans and active duty military. From 4pm to close at participating locations.

Red Hot & Blue

Veterans receive a free entrée with the purchase of a second entrée on November 9, 10 and 11. Coupon required.

Red Lobster

Active duty military, reserve, and military veterans can stop by Red Lobster and get a free appetizer or dessert on Monday, November 9 through Thursday, November 12.

Red Robin

As our way of saying thanks, we’re inviting all veterans and active-duty service members to join us on Veterans Day, Wednesday, November 11, 2015, for a FREE* Red’s Tavern Double™ burger with Bottomless Steak Fries®.

Rib City

Veterans and active military members can get 50% off of an individual meal (dine-in or carry out) at Rib City in St. Louis, MO.

Rock & Brews

Complimentary pulled pork sandwich with a side choice of natural fries, house potato salad, pasta salad or coleslaw on Veterans Day. Proof of military service required.

Rodizio Grill

This Veterans Day, we at Rodizio Grill want to show our deepest appreciation and salute our veterans and invite them to dine with us for free from November 9-12.  Each veteran will eat free with the purchase of one Full Rodizio!

Ruby Tuesday

Free appetizer on Veterans Day.

Ruby’s Diner

Free Cinnamon Roll French Toast Combo at breakfast, or a free RudyBurger for lunch or dinner on Veterans Day.


Free lunch buffet from 11 a.m. to 2 p.m on Veterans Day.

Sagebrush Steakhouse

On November 11th, Veterans and Active Duty Military will receive a free entree (Maximum Value $20).

Sammy’s Woodfired Pizza & Grill

Sammy’s Woodfired Pizza & Grill is offering the choice between complimentary hummus served with grilled herb flat bread or garlic cheese bread on November 11.


Veterans and active military get two free breadsticks with any purchase on November 9-15, 2015.


Veterans and active military members a free lunch on Wednesday, November 11. The Veterans Day free meal will include a 6 inch turkey sub and a fountain drink. A free car wash is also available with this offer, but only at locations that also have a car wash.Be sure to bring in proof of service to get your free lunch.


Free All-American Burger on Veterans Day.


Free lunch entree of a six-ounce Tri Tip Steak, a single Malibu Chicken or a Half Dozen Fried Shrimp. Free beverage choices are coffee, iced tea or a fountain drink.  Until 4 p.m.

Smokey Bones Bar & Fire Grill

On Veterans Day get a free entree.  Choices include 1/2 lb. Premium Burger, Pulled Pork Platter, Chicken Fingers, Tomato Basil Cavatappi, Nutty Chicken Salad.

Snuffer’s Restaurant & Bar

Free cheeseburger on Veterans Day.

Spaghetti Warehouse

From Monday, November 9 through Wednesday November 11, 2015, Spaghetti Warehouse is honoring veterans with a special “buy one entree, get one free” coupon offer and is encouraging its guests to “invite a veteran to lunch or dinner.” This coupon will be available on the Spaghetti Warehouse website on November 3, and can be printed or presented by mobile phone.


Free Coffee on Veterans Day. Starbucks will be giving out free tall hot brewed coffees to veterans, active-duty military, and their spouses on Veterans Day.

Steak ‘n Shake

Veterans visiting a Steak ‘n Shake this year for Veterans Day between 6:00 AM and 11:00 AM will receive a free breakfast skillet and coffee. This Veterans Day offer is for dine-in only.

Sticky Fingers Smokehouse

Free meal up to $12.99.  Veterans also receive a $10 OFF coupon for their return visit. Valid on Veterans Day.

Tap House Grill

Veterans eat free on Veterans Day.  Dine in only.

Texas Roadhouse

Free Lunch (includes choice of Coca-Cola product, Iced Tea/Sweet Tea or coffee). Choose from: 6 oz. Sirloin Steak with two sides, Country Fried Chicken with two sides, Country Fried Sirloin with two sides, Pulled Pork Dinner with two sides, Grilled Pork Chop (Single) with two sides, All-American Cheeseburger with fries, BBQ Chicken Sandwich with fries, Pulled Pork Sandwich with fries, Grilled Chicken Salad, or Chicken Critter Salad.

Texas Steakhouse & Saloon

Free entree up to $20 on Veterans Day.

T.G.I. Friday’s

Free lunch for all current military members and veterans from 11:00 a.m. to 2:00 p.m. Valid ID or proof of service required. Dine-on only at participating locations. Be sure to contact your local T.G.I Friday’s for details.

The Greene Turtle Sports Bar and Grill

Free menu item from a select menu during dine-in purchases.

Tijuana Flats

Free lunch at participating locations on Veterans Day.

Tim Hortons

All US locations are offering a free donut to all active duty servicemembers and veterans. No purchase necessary. Proof of service required.

Tony Roma’s

On Veterans Day, get a free half rack Baby Back Ribs at select Florida locations. For current and former military members with valid proof of service. Please call ahead to verify participation.

Travel Centers of America

All CDL drivers who are also military veterans will get a Veterans Day free meal at participating full service restaurants inside TA and Petro locations on Wednesday, November 11.

Tubby’s Sub Shops

Free small Grilled Steak N’ Cheese or Tubby’s Famous Sub at participating Tubby’s locations on Veterans Day. Take out only.

Twin Peaks

Free breakfast any time of day (choice of buttermilk pancakes, French toast, or a Belgian waffle). Wednesday is also Free Pie day, and veterans will be able to receive a free slice of pie. Veterans who visit on Veterans Day will also receive a “Thank You for Your Service Card” valid for 20% off their total bill on their next visit. Participating locations only.

Uno Pizzeria & Grill

UNO Pizzeria & Grill will offer veterans and active duty military a free entrée or individual pizza with the purchase of an entrée or pizza of equal or greater value on November 11. Military or Veteran’s ID is required.

Village Inn

Free breakfast.  Choose from Buttermilk Pancakes, Belgian Waffle or French Toast on Veterans Day.

White Castle

Free Breakfast Slider and a small coffee or a small soft drink on Veterans Day.


Free Chili Cheese Dog and small Pepsi on Veterans Day.

World of Beer

Free select draught beer on Veterans Day, November 11.

Zoes Kitchen

Former and active military members who show military ID can visit Zoes Kitchen for a free entree on November 11, 2015. Any friends and family members that come as guests can get 10% off their own meals.



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