VA Loan Specialist Shirley Mueller

Working as a loan originator since 2003, Shirley has helped over 1200 Veterans with VA Home Loans. She has helped Veterans in almost every situation, including deployed personnel returning home or those with PCS orders. Shirley also helps disabled Veterans who...

VA Loan Benefits


Florida Veterans and Active Duty service members can utilize the benefits afforded to them by the VA Home Loan Program to buy or refinance a personal home.  A VA Mortgage provides them the opportunity for a no down payment home purchase, along with less stringent qualification requirements.

In addition to 100% financing of a home purchase, VA Home Loans do not have private mortgage insurance (PMI). Most VA loans are 30 year fixed rate loans at interest rates comparable to conventional 20% down loan programs.  The Veteran home buyer’s closing costs can be paid by the seller, and VA Loans have lower minimum credit score requirements.  Click Here to Learn More

VA Loan Eligibility


VA Home Loan eligibility is dependent on when and how long you served in the Military, National Guard or Reserves. Most Veterans and Active Duty service members will be eligible if they have served for 181 consecutive days during peacetime or 91 consecutive days during wartime.  Click Here for Details About VA Loan Eligibility

Being eligible for a VA Mortgage loan is only part the requirements needed to obtain a Veterans Affairs mortgage.  In addition to being eligible, a Veteran or Active Duty service member must meet the income and credit requirements to qualify for a VA Loan.  These requirements are less stringent than conventional loans: Click Here to Learn More

VA Loan Refinancing


Veterans and Active Duty service members in Florida who own their home may be eligible to refinance their mortgage using their VA Loan benefits.  A VA Loan refinance can lower your rate and payment, and/or provide “cash out” for home improvement projects, debt reduction, or any other purpose.

There are a few different types of VA Refinance loans.  For those that currently have a VA Home Loan, usually, a VA Streamline Refinance loan is the best option.  For those who have a conventional, FHA or another loan program a traditional VA refinance or VA Cash Out loan may be right for you. Click Here for More Information About Refinancing

Disabled Veteran Benefits


Florida Veterans who have a disability rating from the Department of Veterans Affairs are entitled to additional benefits in relation to their VA Loan and Florida property taxes. These benefits are available to eligible Veterans and unmarried surviving spouses of an eligible Veteran who died in service or as a result of service-related injuries.

Veterans with a 10% or greater disability rating are exempt from the VA funding fee. Veterans living in Florida who have a 100% disability rating may be eligible for a complete exemption from taxes on their personal home. Other benefits apply for those with less than 100% disability. Click Here to Learn More 

VA Loan Rates


Veteran Home Loan interest rates change with the fluctuations in the financial markets.  With VA Loan rates still near historical lows, Veterans can use this opportunity along with the other advantages of a VA Home Loan to purchase and home and utilize the benefits they have earned.

Several factors determine what your rate will be for a VA Mortgage loan.  In order to accurately quote you a rate, we must first help you get pre-qualified.  Also, because VA interest rates fluctuate with conditions in the financial markets until your loan rate has been locked in it may change and move higher or lower. Click Here to Get Started

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  • Pre-Qualifications are Always Offered with No Obligation

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