The U.S. Department of Veterans’ Affairs (VA) offers a number of benefits related to homeownership, including VA-backed home loans.
These loans provide long-term home financing to American veterans, active service members, and qualifying family members and can greatly lower the overall cost of buying a home.
Our team at The Doce Mortgage Group works closely with veterans to ensure they make the most of available VA loans in Florida. Learn more about the process of getting a VA home loan below, and contact us today for a free VA mortgage quote.
Down payment requirements are more flexible for VA loans than they are for conventional or FHA loans, meaning U.S. veterans can purchase a home with zero down at closing.
Lower interest rates on VA home loans provide veterans with reduced monthly payments compared to conventional mortgages and substantial savings over the life of the loan.
Unlike many other loan types, VA loans do not require private mortgage insurance for down payments below 20%, further reducing a veteran’s monthly mortgage payment.
VA mortgages are more forgiving when it comes to credit scores, making it easier for veterans with less-than-perfect credit to qualify for a low-interest home loan.
Veterans normally need a lower income to qualify than most other mortgages.
Florida is home to the third largest veteran population in the country, many of whom are eligible for benefits through the VA loan program.
VA home loans are backed by the government, not banks. This allows for more favorable rates for qualifying U.S. veterans, active duty service members, and surviving spouses – including loans with no down payment, no PMI, and lower interest rates than conventional loans.
Together, these benefits can greatly reduce the cost of financing a house in Florida, making it much easier for individuals who have served—or currently serve—our nation to purchase a place they can call home.
We specialize in helping veterans, active-duty service members and their families secure Florida VA loans. Contact us today for expert advice on getting a VA mortgage in Florida and a free, no-obligation VA mortgage quote.
Ready to take the next step toward homeownership with a VA mortgage lender in Florida? Here’s how you can get started:
Head to our section on VA loan requirements to see if you’re eligible, or contact us for personalized assistance.
A mortgage broker with experience in Florida VA loans can walk you through every step of the VA loan process. They can also provide you with a mortgage pre-approval, which makes you a more competitive buyer, locks in your VA loan terms, and lets you know exactly how much house you can afford.
Now it’s time to complete your full loan application. Your mortgage broker will help you navigate the process and make sure all information is filed correctly and with proper supporting documents.
Once they receive your application, the VA will get to work verifying your income, eligibility, and loan limits, as well as scheduling an appraisal. You should find out if you’re approved for a VA loan within a couple of weeks of submitting your application.
The maximum amount the VA will guarantee for your home loan depends on whether you have full or remaining entitlement.
Note that having an amount guaranteed is not the same as being able to borrow that amount. If you are a borrower with full entitlement, the VA will guarantee at least 25% of your total loan amount with no limit, but the amount itself is set by your lender.
Not sure whether you have full or remaining entitlement? Curious how much you can borrow with your VA-backed loan? Get in touch for a free consultation and VA mortgage quote.
Our aim is to make the dream of homeownership a reality for those who have dedicated themselves to service. Contact your Mortgage Advisor at The Doce Group team to learn more about how a VA Loan can work for you and start your journey to owning a home today.
Turn home equity into cash by replacing a current mortgage with a new VA loan. This is typically used to pay off debt, make home improvements, buy additional real estate, or cover other large expenses.
Also known as the VA Streamline Refinance, this option lets you refinance an existing VA loan to a lower interest rate or convert an adjustable-rate mortgage (ARM) into a fixed-rate mortgage.
Get up to $6,000 of financing toward energy-efficient improvements to your home, such as adding solar panels or more efficient doors and windows.
The following resources give additional insight into the VA loan process and how VA loans work in Florida.
By choosing The Doce Mortgage Group for your VA Loan needs, you’re partnering with a team that understands your unique situation and is dedicated to helping you achieve your homeownership dreams. Contact us today to get started on your journey to homeownership with a VA Loan.
Yes. VA home loans can only be applied toward primary residences and cannot be used to finance an investment property, vacation home, or commercial property.
The VA doesn’t set a minimum credit score, but lenders typically require a score of at least 550 for a VA loan.
Yes, you can use a VA loan to buy a new primary residence so long as you still have entitlement on the loan, with no maximum limit to how many times you can do so. This can be done with remaining entitlement or by restoring entitlement by selling your home and paying it off in full. For an additional option, talk to your mortgage broker about a “one-time restoration of entitlement.”
A qualified broker will have experience with VA home loans and industry insight that ensures you get the best terms and rates. You can get a rate quote here.
Also referred to as the Florida Hometown Heroes Program, this program, administered by the Florida Housing Finance Corporation, provides down payment and closing cost assistance of up to $35,000 for qualifying veterans and service members looking to buy a primary residence in Florida. You can learn more about it here.
VA disclaimer: VA loans require borrowers to have VA eligibility through Veterans Administration. For more information, please visit www.benefits.va.gov/
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Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Loan approval and terms are dependent upon borrower’s credit, documented ability to repay, acceptability of collateral property, and underwriting criteria.
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