VA Loans
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Let us honor your service by helping you achieve the American
dream of owning a home.
Exclusive advantages such as zero down payment
Low interest rates
No Private mortgage insurance
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Get a VA Loan with Zero Down & Lower Rates—Fast, Easy, and Hassle-Free!
Zero Down Payment: Buy a home with no down payment required, saving you thousands upfront.
Lower Interest Rates: VA loans offer some of the lowest rates available, reducing your monthly payment.
No Private Mortgage Insurance (PMI): Save hundreds per month compared to conventional loans.
Fast Pre-Approval: Get pre-approved quickly so you can start shopping for your dream home.
Easier Qualification: Flexible credit and income guidelines make approval simpler.
Low Closing Costs: We negotiate better terms to minimize out-of-pocket expenses.
888-549-1005
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Start with our Mortgage Approval Tool!
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Start with our Mortgage Approval Tool!
Home Purchase
Buying a home is a major investment,
requiring planning, budgeting, and research to secure the perfect property for long-term stability.
Home Refinance
Home refinancing replaces an existing mortgage with a new loan, often to lower interest rates, reduce payments, or access home equity.
Home Equity
Home equity is the property's market value minus any outstanding mortgage balance, allowing homeowners to borrow against their ownership stake.
Reverse
A reverse mortgage allows homeowners, typically seniors, to convert home equity into cash without monthly payments, repaid when they move or sell.
Our Service Commitment
No Hidden Fees: We believe in clear and upfront communication about all costs associated with your mortgage.
Tailored Solutions: Our advisors work closely with you to find mortgage solutions that are customized to your financial situation.
Get Expert Advice every time from a licensed loan officer with a suite of products to choose from.
Our team strives to deliver excellence. Contact us day or night with any mortgage questions—we’re here when you need us.
Working with us or just thinking of it, we will always be honest and transparent. No sales targets means way better service!
Our Service Commitment
Get Expert Advice every time from a licensed loan officer with a suite of products to choose from.
Our team strives to deliver excellence. Contact us day or night with any mortgage questions—we’re here when you need us.
Working with us or just thinking of it, we will always be honest and transparent. No sales targets means way better service!
No Hidden Fees: We believe in clear and upfront communication about all costs associated with your mortgage.
Tailored Solutions: Our advisors work closely with you to find mortgage solutions that are customized to your financial situation.
Available When & Where
You Want!
Across multiple states, our licensed loan officers will help you from application to funding and beyond.
We work on your schedule. With streamlined technology and dedicated support staffing, your mortgage request is always our priority!
Largest Lender Network in Florida, Georgia & Texas
Available When & Where You Want!
Across multiple states, our licensed loan officers will help you from application to funding and beyond.
We work on your schedule. With streamlined technology and dedicated support staffing, your mortgage request is always our priority!
Book an Appointment
Book an Appointment
Meet Our Team
Angle Ogbele
Natasha Staplowski
Darnell Smith
Arlan Zuberi
Meet Our Team
Angle Ogbele
Natasha Staplowski
Darnell Smith
Arlan Zuberi
What Are VA Loans?
VA loans are a type of mortgage loan available to U.S. veterans, service members, and surviving spouses who have not remarried. They are issued by private lenders—such as banks and mortgage companies—and are guaranteed by the U.S. Department of Veterans Affairs (VA). This government backing allows lenders to offer VA loans with favorable terms to borrowers who qualify.
How Does a VA Loan Works?
Loan Insurance: The FHA provides mortgage insurance to approved lenders, which protects the lender against losses if the homeowner defaults on the loan.
Borrower Requirements: To qualify for an FHA loan, borrowers need a minimum credit score and a down payment as low as 3.5% of the home's purchase price. The exact requirements can vary and are subject to change, so it's important for borrowers to check the current standards.
Approved Lenders: Borrowers must obtain their loan through an FHA-approved lender. These lenders have been vetted and approved by the FHA to issue loans that are insured by the federal government.
Mortgage Limits: The FHA sets limits on how much money can be borrowed, which vary by county and are adjusted annually.
Mortgage Insurance Premiums: Borrowers must pay an upfront mortgage insurance premium (UFMIP) at the time of closing, which is financed into the loan amount. Additionally, there is an annual mortgage insurance premium (MIP) that is paid monthly as part of the mortgage payment.
Property Appraisal: The FHA requires that the property being purchased meets certain safety, security, and soundness standards. An FHA-approved appraiser must inspect and appraise the property.
Loan Terms: FHA loans come with different term options, ranging from 15 to 30 years, and can be fixed or adjustable-rate mortgages (ARMs).
Closing the Loan: Once all the requirements are met, and the property is approved, the loan can close, and the borrower can proceed with the purchase of the home.
Occupancy: FHA loans generally require the borrower to occupy the property as their primary residence.
Overall, VA loans are designed to make homeownership more accessible to those who have served their country and to provide them with benefits that reflect their service.
What Are VA Loans?
VA loans are a type of mortgage loan available to U.S. veterans, service members, and surviving spouses who have not remarried. They are issued by private lenders—such as banks and mortgage companies—and are guaranteed by the U.S. Department of Veterans Affairs (VA). This government backing allows lenders to offer VA loans with favorable terms to borrowers who qualify.
How Does a VA Loan Works?
Loan Insurance
The FHA provides mortgage insurance to approved lenders, which protects the lender against losses if the homeowner defaults on the loan.
Borrower Requirements
To qualify for an FHA loan, borrowers need a minimum credit score and a down payment as low as 3.5% of the home's purchase price. The exact requirements can vary and are subject to change, so it's important for borrowers to check the current standards.
Approved Lenders:
Borrowers must obtain their loan through an FHA-approved lender. These lenders have been vetted and approved by the FHA to issue loans that are insured by the federal government.
Mortgage Limits
The FHA sets limits on how much money can be borrowed, which vary by county and are adjusted annually.
Mortgage Insurance Premiums
Borrowers must pay an upfront mortgage insurance premium (UFMIP) at the time of closing, which is financed into the loan amount. Additionally, there is an annual mortgage insurance premium (MIP) that is paid monthly as part of the mortgage payment.
Property Appraisal
The FHA requires that the property being purchased meets certain safety, security, and soundness standards. An FHA-approved appraiser must inspect and appraise the property
Loan Terms
FHA loans come with different term options, ranging from 15 to 30 years, and can be fixed or adjustable-rate mortgages (ARMs).
Closing the Loan
Once all the requirements are met, and the property is approved, the loan can close, and the borrower can proceed with the purchase of the home.
Occupancy
FHA loans generally require the borrower to occupy the property as their primary residence.
Benefits of VA Loans
No Down Payment: VA loans often require no down payment, enabling you to purchase a home without years of saving.
No Private Mortgage Insurance (PMI): Unlike conventional and FHA loans, a VA loan doesn't require monthly PMI. This can lead to significant monthly savings for homeowners.
Limited Closing Costs: Legislation limits the closing costs lenders can charge to VA loan applicants. This helps reduce the amount of money veterans need to bring to closing.
Competitive Interest Rates: VA loans have lower interest rates than conventional loans, which reduces the long-term cost of borrowing.
No Prepayment Penalty: VA borrowers can pay off their home loan at any point without having to worry about a prepayment penalty.
VA Funding Fee: While there is no PMI, VA loans come with a VA funding fee, which can be financed with the loan. This fee helps to fund the VA home loan program and varies depending on several factors, such as the type of loan and whether it's the veteran's first VA loan.
Assumability: VA loans are assumable, which means they can be transferred to a subsequent buyer if that person is also VA-eligible. This can be a benefit in a high-interest rate environment or if you need to sell your home quickly.
Foreclosure Avoidance: The VA helps borrowers experiencing financial hardship prevent foreclosure.
Variety of Eligible Property Types: VA loans can be used to purchase a variety of property types, including single-family homes, condos, new construction, manufactured homes, and multi-unit properties.
Reusable Benefit: Your VA entitlement is reusable. This means that if you pay off your first VA loan, you can use the benefit again for another VA loan.
Benefits of VA Loans
No Down Payment
VA loans often require no down payment, enabling you to purchase a home without years of saving.
No Private Mortgage Insurance (PMI)
Unlike conventional and FHA loans, a VA loan doesn't require monthly PMI. This can lead to significant monthly savings for homeowners.
Limited Closing Costs
Legislation limits the closing costs lenders can charge to VA loan applicants. This helps reduce the amount of money veterans need to bring to closing.
Competitive Interest Rates
VA loans have lower interest rates than conventional loans, which reduces the long-term cost of borrowing.
No Prepayment Penalty
VA borrowers can pay off their home loan at any point without having to worry about a prepayment penalty.
VA Funding Fee
While there is no PMI, VA loans come with a VA funding fee, which can be financed with the loan. This fee helps to fund the VA home loan program and varies depending on several factors, such as the type of loan and whether it's the veteran's first VA loan.
Assumability
VA loans are assumable, which means they can be transferred to a subsequent buyer if that person is also VA-eligible. This can be a benefit in a high-interest rate environment or if you need to sell your home quickly.
Foreclosure Avoidance
The VA helps borrowers experiencing financial hardship prevent foreclosure.
Variety of Eligible Property Types
VA loans can be used to purchase a variety of property types, including single-family homes, condos, new construction, manufactured homes, and multi-unit properties.
Reusable Benefit
Your VA entitlement is reusable. This means that if you pay off your first VA loan, you can use the benefit again for another VA loan.
Features of VA Loans
No Down Payment: VA loans often require no down payment, enabling you to buy a home without years of saving.
No Private Mortgage Insurance (PMI): Unlike conventional and FHA loans, a VA loan doesn't require monthly PMI. This can lead to significant monthly savings for homeowners.
Limited Closing Costs: Legislation limits the closing costs lenders can charge to VA loan applicants. This helps reduce the amount of money veterans need to bring to closing.
Competitive Interest Rates: VA loans have lower interest rates than conventional loans, which reduces the long-term cost of borrowing.
No Prepayment Penalty: VA borrowers can pay off their home loan at any point without having to worry about a prepayment penalty.
VA Funding Fee: While there is no PMI, VA loans come with a VA funding fee, which can be financed with the loan. This fee helps to fund the VA home loan program and varies depending on several factors, such as the type of loan and whether it's the veteran's first VA loan.
Assumability: VA loans are assumable, which means they can be transferred to a subsequent buyer if that person is also VA-eligible. This can be a benefit in a high-interest rate environment or if you need to sell your home quickly.
Foreclosure Avoidance: The VA helps borrowers experiencing financial hardship prevent foreclosure.
Variety of Eligible Property Types: VA loans can be used to purchase a variety of property types, including single-family homes, condos, new construction, manufactured homes, and multi-unit properties.
Reusable Benefit: Your VA entitlement is reusable. This means that if you pay off your first VA loan, you can use the benefit again for another VA loan.
Features of VA Loans
No Down Payment
VA loans often require no down payment, enabling you to buy a home without years of saving.
No Private Mortgage Insurance (PMI)
Unlike conventional and FHA loans, a VA loan doesn't require monthly PMI. This can lead to significant monthly savings for homeowners.
Limited Closing Costs
Legislation limits the closing costs lenders can charge to VA loan applicants. This helps reduce the amount of money veterans need to bring to closing.
Competitive Interest Rates
VA loans have lower interest rates than conventional loans, which reduces the long-term cost of borrowing.
No Prepayment Penalty
VA borrowers can pay off their home loan at any point without having to worry about a prepayment penalty.
VA Funding Fee
While there is no PMI, VA loans come with a VA funding fee, which can be financed with the loan. This fee helps to fund the VA home loan program and varies depending on several factors, such as the type of loan and whether it's the veteran's first VA loan.
Assumability
VA loans are assumable, which means they can be transferred to a subsequent buyer if that person is also VA-eligible. This can be a benefit in a high-interest rate environment or if you need to sell your home quickly.
Foreclosure Avoidan
The VA helps borrowers experiencing financial hardship prevent foreclosure.
Variety of Eligible Property Types
VA loans can be used to purchase a variety of property types, including single-family homes, condos, new construction, manufactured homes, and multi-unit properties.
Reusable Benefit
Your VA entitlement is reusable. This means that if you pay off your first VA loan, you can use the benefit again for another VA loan.
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