to pay debts or put in the bank and it lowers your payments over 600 dollars a month. and because newday usa has been granted automatic authority by the va they can close your loan in 30 days or less. they even do all the va paperwork for you. helping veterans get the financial peace of mind they deserve. that's what newday usa is all about. at newday usa veterans can buy a home with no down payment. at newday, your service is your down payment. >> thanks to ian prior. you were at doj when so much of this went down. what do you think of how it turned out? >> i think one of the frustrating things is one of the reasons why there was change at