Florida VA Loans

The VA mortgage program was started in 1944 to avail finances for returning veterans to use in purchasing homes. Today, it is undoubtedly the most attractive loan program in the whole country, with very flexible terms and low-interest rates. On this part, Moreira Team provides the best VA guidelines for Florida veterans.

Why choose a VA loan in Florida?

There are many reasons why the VA mortgage is the best. The three main ones are competitive interest rates, no monthly insurance premiums and no down payment required. The first two (low-interest rates and lack of insurance charges) ultimately mean that your monthly mortgage payments will be very low compared to if you take out any other loan. The fact that VA loans do not require a down payment makes them very easy to qualify for. And you can get up to 100% financing.

Do you qualify for a Florida VA loan?

Qualifying for a Florida VA loan requires the same eligibility criteria used nationwide. You should have served as an active duty military member (90 days during wartime or 181 days during peacetime) or a reserve for at least 6 years. You will also qualify if you were discharged from service honorably.

A spouse can also qualify for a VA loan if the service member is a prisoner of war, is missing in action, is disabled, died while in active duty or died of a disability that is connected to his/her service. If you want to check for your eligibility Moreira Team can help. Tell us more about you, and we will inform you whether you are eligible.

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How do you apply for a VA loan in Florida?

You can obtain a VA loan through an authorized lender. You will need a Certificate of Eligibility, or COE. Talk to us today, and we can help you get a COE. Our team will also help you obtain a pre-approval letter for you and even shop around for the best Florida VA loan deal.