$0 down. No PMI, ever. Lower rate than conventional. No loan limit for veterans with full entitlement. If you served, this is the loan. Most lenders just don't know how to underwrite it correctly. We do.
The VA loan is the most powerful purchase mortgage in the United States. Here's what makes it different — and why so many lenders mishandle it.
$0 down for full-entitlement veterans. You can put money down to lower the funding fee, but you don't have to.
None. Ever. Forever. The single biggest cost advantage VA has over every other loan.
None for full-entitlement veterans (post-2020). Borrow into jumbo territory with $0 down. Partial entitlement follows county limits.
VA: no minimum. Most lenders: 580–620. We have 580 access. Manual underwrite available for files with comp factors.
1.25%–3.6% (financed into loan). Waived for service-connected disability, surviving spouses, Purple Heart on active duty.
Primary residence only. SFR, VA-approved condo, 2–4 unit (must owner-occupy). Cannot be used for pure investment property.
VA appraisals are stricter on health & safety items, but the appraised value process is the same as any other loan. With proper property prep and the right comps package, VA appraisals close. The Tidewater process gives us a chance to defend value.
Big problem in some FL markets. Coach your Realtor on how to position your VA offer — strong earnest money, escalation clause, removed inspection contingencies on minor stuff. We'll prep the language.
The condo project must be VA-approved (not the same list as FHA). Many FL coastal condos aren't on the list — but VA approval can be requested. We pre-screen before contract.
You can have more than one VA loan at a time. Move-up buyers and PCS-relocators routinely keep their first VA home as a rental and use remaining entitlement on the new home. We map this out properly.
Same coastal challenges as any other loan. We pull insurance quotes early and use the Coastal Risk Score to vet properties before contract.
30-minute strategy call. We'll go over your COE, your numbers, and a plan to use your entitlement to maximum advantage in the Florida market.
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