Florida VA Loan Specialist Serving Veterans Statewide
VA Loans in Florida for Veterans and Active Duty Military
Buy, refinance, or build a home anywhere in Florida using your VA benefit structured correctly from day one by VA loan expert Shirley Mueller.
VA loans are not conventional loans. Entitlement, residual income, funding fees, and construction guidelines must be handled properly. We specialize in VA. Period.
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Loan Options
VA Loan Options in Florida
Explore your VA loan options in Florida. Whether you are purchasing, refinancing, building, or improving a home, your VA benefit provides powerful financing advantages when structured correctly.
VA Purchase Loans
Current VA Loan interest rates fluctuate with market conditions. The Department of Veterans affairs does not set VA home loan interest rates. Each VA approved lender sets their own rates for VA loans they originate which ensures competition in the marketplace.
VA Refinance Loans
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 consolidation, or any other.
VA Construction Loans
As a Veteran or service member in Florida, you can use your VA entitlement to finance not just the purchase of a home, but also the construction of a brand-new home. With a VA One-Time Close Construction Loan, you can combine the land purchase.
VA Renovation Loan Options
If you are purchasing an existing home and find that it needs some improvements or improvements are needed to pass a VA appraisal, we can allow for a VA purchase loan with improvements combined with the initial closing. This allows you to do the entire loan at once.
Specialist
VA Loan Specialist Shirley Mueller!
Working as a loan originator since 2003, Shirley has helped over 2000 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…
Buy a Home Using Your VA Loan Benefits
Buying a home can be an exciting time! A new home to make your own and frequently it represents a new start in a new city or neighborhood.
Refinance with a VA Mortgage
Veterans and Active Duty service members in Florida who own their home may be eligible to refinance their mortgage using their VA Loan benefits.
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Offers
What We Offers
Florida Veterans have earned one of the most powerful home financing benefits available.
VA loans allow eligible service members to purchase or refinance with zero down payment and no private mortgage insurance. Competitive rates, seller paid closing costs, and flexible qualification guidelines make the VA home loan program a major advantage over many conventional loan options.
The key is proper structuring from the beginning.
VA Loan Benifits
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.
VA Loan Eligibility
VA loan eligibility is based on your service history in the Military, National Guard, or Reserves.Eligibility alone does not guarantee approval. Borrowers must meet income, credit, and residual income standards required for VA loan qualification.VA guidelines are often more flexible than conventional loan programs when structured correctly.
VA Loan Refinancing
Disabled Veteran Benefits
Florida Veterans with a service connected disability rating may qualify for additional VA loan and property tax benefits.Veterans with a disability rating of 10 percent or greater are exempt from the VA funding fee. Veterans in Florida with a 100 percent disability rating may qualify for a full property tax exemption.Understanding how these benefits apply to your loan structure is critical before closing.
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Questions
Frequently Asked Questions About VA Loans
How much are the closing costs on a VA Home Loan?
Closing costs on can vary just like they do on conventional loans. The closing cost s will be dependent on underwriting and appraisal fees, closing agent’s fees, and any state or regulatory fees. Also, like many mortgages, Veteran loans set up an escrow account for the borrower/home owner’s property taxes and insurance. Escrow accounts require a portion of the insurance and taxes to be “pre-paid”. These pre-paid items are closing costs, but it is important to note that they are dependent on the insurance rates and property taxes for the area where the house is being purchased, and are not related to lender or title company fees.
What is the VA Funding Fee?
The funding fee is required by law and is charged by the Department of Veterans Affairs, not the lender. In most cases the funding fee is added on to your loan amount and is not paid out of pocket by the Veteran borrower. The amount of the funding fee varies depending on whether the mortgage is the Veteran borrower’s first and/or if there is any down payment on the property and/or if it is a streamline refinance. As mortgage professionals who specialize in VA Loans, we can help to determine what the exact funding fee will be for you. Veterans who are rated for disability and surviving spouses are exempt from the funding fee.