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VA MORTGAGE LENDERS

PROVIDING VA HOME LOANS

US mortgage lenders specializes in good and bad credit VA mortgage loans even no credit score. We provide  VA loans in every city and county in the states we service. VA mortgages are guaranteed by the Department of Veterans Affairs (VA). These VA mortgage loans were established to provide transition assistance and other benefits to men and women who served or are serving in the Armed Forces of the Nation. This includes the Army, Navy, Air Force, Marines, Reservists, National Guardsmen, and certain surviving spouses. Also, if you are a disabled veteran, you may qualify for additional VA mortgage benefits. Including reduced or elimination of property taxes. We are proud to provide 100% Bad credit VA mortgage approvals down to 550 fico score va purchase or VA mortgage refinance!

VA MORTGAGE LENDERS PROVIDE BENEFITS THAT ONLY COME WITH A VA LOAN!

  • 100% Financing and seller paid closing cost up to 4%
  • Easier qualification standards
  • Less strict credit and income standards
  • 100% Financing = No down payment required.
  • Bad Credit Score VA loans Down to 550!

VA MORTGAGE HOME BUYER LOANS or VA MORTGAGE REFINANCE

VHome Loans
VA Home Loans came about for Florida veterans in 1944 through the original Servicemen’s Readjustment Act also known as the GI Bill of Rights. The GI Bill was signed into law by President Franklin D. Roosevelt and provided Florida veterans with a federally guaranteed VA home loan with no down payment. Florida veterans are now eligible for a VA home loan. The VA loan is a true 100% financing option for Veteran Florida home buyers.
HOW IT WORKS
VA will guarantee a maximum of 25% of the Florida home loan amount up to $104,250, which limits the maximum loan amount to $417,000. The purchase price, plus the one-time VA funding fee (2%) may be financed for a combined 102% loan to value.
BENEFITS OF VA LOANS
• TRUE  100% Florida Home Loan Financing (No down payment required)
• Seller can credit up to 4% of the sales price to cover all of your closing cost and prepaids.
• Less restrictive credit guidelines than conventional financing
• Florida First time homebuyers allowed
• No mortgage Insurance saves hundreds of dollars monthly
• No income restrictions
VA home loans are made by private Florida mortgage lenders but guaranteed by the federal government. These private VA mortgage lenders include such as banks, savings & loans, and Florida mortgage companies to eligible veterans for the purchase of a home for their own personal occupancy. The VA guaranty means that Florida mortgage lenders are protected against loss if you default on the loan. The VA loan  guaranty replaces the protection that Florida mortgage lenders normally receive by requiring a down payment and VA mortgage insurance allowing you to obtain favorable financing terms.
VA HOME LOAN ELIGIBILITY
• Florida Veterans who served on active duty and have a discharge other than dishonorable after a minimum of 90 days of service during wartime or a minimum of 181 continuous days during peacetime.
• 2 years requirement if the veteran enlisted and began service after September 7, 1980 or was an officer and began service after October 16, 1981
• 6 year requirement for National guards and reservists with certain criteria and there are specific rules concerning the eligibility of surviving spouses
• If you are now on regular duty (not active duty for training), you are eligible after having served 181 days unless discharged or separated from a previous qualifying period of active duty
• If you are an unremarried spouse of a veteran who died whilein service or from a service connected disability
• If you are a spoiuse of a serviceperson missing in action or a prisoner of war
• A surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible
 
CERTIFICATE OF ELIGIBILITY
The  VA loan program requires Florida mortgage  applicants to complete VA form 26-1880 along with proof of military service. In some cases it may be possible for VA to establish edibility without proof of service. However, it’s best to provide evidence to avoid any possible delays. Acceptable proof of service includes:
• A copy of the veteran’s DD form 214 – if the veteran has been discharged or has retired from active military service
• A Statement of Service – the veteran should obtain if still serving on active duty.
As a leading VA mortgage resource, Florida mortgage and loan may be able to obtain the certificate of eligibility for you. We have access to (automated Certificate of Eligibility) system. We will still need proof of service if we can obtain your certificate in this way. Not all cases can be found through the ACE system, only those which the VA has sufficient information on file for.
If you’ve had a VA home loan before you can re-use your eligibility again as long as the Florida home was foreclosed on in which case the VA would have suffered a loss and would cause you to not be eligible again.
 
VA STEAMLINE REFINANCE YOUR FLORIDA MORTGAGE
IRRRL stands for Interest Rate Reduction Refinancing Loan. You may see it referred to as a “VA Streamline”
• No VA appraisal required or credit underwriting package is required by VA. You should be aware, however, that some Florida VA mortgage lenders may require an appraisal and credit report. Even if you owe more on your loan than the Florida home is worth.
• A certificate of eligibility is not required, Florida mortgage and loan may use our e-mail confirmation procedure for VA streamlined refinance in lieu of a certificate of eligibility.
• A streamlined VA refinance loan may be done with “no money out of pocket” by including all costs in the new loan or by making the new loan at an interest rate high enough to enable the lender to pay the costs. (Remember: The interest rate on the new loan must be lower than the rate on the old loan unless you refinance an ARM to a fixed rate mortgage).
• You must NOT receive any cash from the loan proceeds.
• A streamlined Florida VA refi be done only if you have already used your eligibility for a VA loan on the property you intend to refinance. It must be a VA to VA refinance, and it will reuse the entitlement you originally used.
• The occupancy requirement for a streamlined VA refinance is different from other VA loans. When you originally got your VA loan, you certified that you occupied or intended to occupy the home. For a streamlined VA refinance you need only certify that you previously occupied it.
• The loan may not exceed the sum of the outstanding balance on the existing VA loan, plus allowable fees and closing costs, including funding fee and up to 2 discount points. You may also add up to $6,000 of energy efficiency improvements into the loan. Adding all of these items into your loan may result in a situation in which you owe more than the fair market value of the house.
• No loan other than the existing VA loan may be paid from the proceeds of the VA streamlined refinance. If you have a second mortgage, the holder must agree to subordinate that lien so that your new VA loan will be a first mortgage.

VA HOME LOANS- VA Home Loans came about for veterans in 1944 through the original service men’s readjustment act also known as the “GI Bill of Rights”. The GI Bill was signed into law by President Franklin D. Roosevelt and provided veterans with a federally guaranteed VA home loan with no down payment. This mortgage loan is a true 100% financing option that every veteran home buyer should take advantage of. 

HOW THE VA LOAN WORKS- The VA home loan guarantees 25% of the home loan amount up to $104,250. Most mortgage lenders require 20% down payment because of the 25% VA home loan guarantee veterans no longer need a down payment because the VA lender is guaranteed up to 25% equity from the VA. However, the maximum VA loan guarantee is 104,250 means veterans are caped at a VA home loan amount of $417,000. The fee for the VA home loan guarantee is called funding fee and is currently (2.15%)of the loan amount and can be financed in to the new VA home loan.

Don’t waste time fill out a full VA mortgage application and we will handle all the VA paperwork for you!.

 

BENEFITS OF VA HOME LOAN

  • The VA loan offers TRUE 100% Financing (No down payment required to purchase a home)
  • With a VA mortgage, the seller can credit up to 4% of the sales price to cover all of your closing cost including prepaid taxes, insurance ect.
  • VA loans have less restrictive credit guidelines than a conventional  home loan.
  • VA  First time home buyers allowed.
  • No mortgage insurance (MI) with a VA mortgage insurance saves hundreds of dollars monthly.
  • No income restrictions VA home loans. VA home loans are made by private mortgage lenders but guaranteed by the federal government. These private VA mortgage lenders include banks, savings & loans, and  mortgage companies to eligible veterans for the purchase of a  home for their own personal occupancy. The VA home loan guaranty means that mortgage lenders are protected against loss if you default on the  home loan. The  home loan guaranty replaces the protection that  mortgage lenders normally receive by requiring a 20% down payment and VA mortgage insurance allowing veterans to obtain the best financing terms.  

 

VA HOME LOAN ELIGIBILITY

  • A copy of the veteran’s DD form 214 – if the veteran has been discharged or has retired from active military service.
  • Statement of Service – the veteran should obtain if still serving on active duty. As a leading  VA mortgage resource,  mortgage and loan may be able to obtain the certificate of eligibility for you. We have access to (automated Certificate of Eligibility) system. We will still need proof of service if we can obtain your certificate in this way. Not all cases can be found through the ACE system, only those which the VA has sufficient information on file for. If you have had a  VA home loan before you can re-use your eligibility again as long as the  home was not foreclosed on in which case the VA would have suffered a loss in this case you would not be eligible for the VA loan program again.
  •  Veterans who served on active duty and have a discharge are eligible other than if the vet had a dishonorable after a minimum of 90 days of service during wartime or a minimum of 181 continuous days during peacetime.
  • 2 years requirement if the veteran enlisted and began service after September 7, 1980 or was an officer and began service after October 16, 1981.
  • 6 year requirement for National guards and reservists with certain criteria and there are specific rules concerning the eligibility of surviving spouses.
  • If you are now on regular duty (not active duty for training), you are eligible after having served 181 days unless discharged or separated from a previous qualifying period of active duty
  • If you are an unmarried spouse of a veteran who died while in service or from a service connected disability.
  • If you are a spouse of a service person missing in action or a prisoner of war.
  • A Vets surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible for VA CERTIFICATE OF ELIGIBILITY.  The VA home loan program requires  mortgage applicants to complete VA form 26-1880 along with proof of military service. In some cases it may be possible for VA home loan applicant to establish edibility without proof of service. However, it’s best to provide evidence of veran status to avoid any possible delays. 

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