VA Home Loans: Serving Those Who’ve Served

By Marketing DepartmentVA Loan
A fabric patch of the American flag placed beside a silver house-shaped keychain with a key, symbolizing homeownership and patriotism. The logo of Florida Mortgage Firm is displayed in the top right corner.

As a Veteran-Owned company, we take pride in serving those who’ve served. Whether you’re planning to purchase a new home, build your dream home with a VA Construction Loan, or refinance your current mortgage with a VA Refinance Loan — we’re here to help you find the option that fits your situation best.

VA Loans help eligible veterans, active-duty service members, National Guard members, and surviving spouses buy, build, or refinance a home.

Here are a Few Key Benefits of VA Home Financing:

  • Affordable Rates: VA loans typically come with competitive interest rates tailored to veterans and service members.

  • No Monthly Mortgage Insurance: VA loans do not require monthly private mortgage insurance (PMI), which may lower your monthly payment.

  • No Escrow Account Required: In some cases, you’re not required to have an escrow account for property taxes and insurance, giving you more control over how those are paid. 

Purchase and Construction Loans:

  • $0 Down Payment: Eligible borrowers may have the option to purchase or build a home without a down payment.

  • Seller-Paid Closing Costs: VA guidelines allow sellers to contribute toward closing costs, potentially reducing your out-of-pocket expenses.

  • Seller Paid Concessions: YES, Sellers can even pay off some of your personal debts to help you qualify, as long as it doesn’t exceed 4% of the purchase price.

Refinance Loans

  • Pull Out Cash: Tap into your home’s equity to pay for home improvements, cover major expenses, or consolidate debts.

  • Lower Your Interest Rate: If rates have dropped since you bought your home, refinancing could reduce your monthly payment.

  • Pay Your Home off Faster: Shorten your loan term and build equity more quickly.

  • No Appraisal Options: In some cases, you can refinance without a full appraisal.

We love our veterans and are here to answer any questions or walk through scenarios with you. No sales pitches either. Just local folks who care deeply about what we do — and love showing how your earned benefits can serve your needs.

For a fast and easy review of your situation:

  • Fill out the link below

  • We’ll be in touch the same or next business day (average response time: 4 hours or less)

  • No credit check required

P.S – We made a calculator that can help you see if you can get a second VA loan here. 

P.S.S – We break down the process of the VA Construction Loan here.

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