VA MORTGAGE LENDERS FLORIDA

Florida mortgage lenders.com specializes in good and bad credit VA mortgage loans even no credit score Florida VA loans in every city and county in Florida. VA mortgages are guaranteed by the Department of Veterans Affairs (VA). These Florida 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 Florida VA mortgage benefits. Including reduced or elimination of Florida property taxes. We are proud to provide 100% Bad credit Florida VA mortgage approvals down to 550 fico score va purchase or Florida VA mortgage refinance!

Florida VA mortgage benefits that only come with a VA mortgage:

Easier qualification standards
Less strict credit and income standards
100% Financing = No down payment required.
Bad Credit Score VA loans Down to 550!

The VA Mortgage guaranty program does not impose a maximum amount that a Florida veteran may borrow using a VA Mortgage but the Florida VA Loan limits the maximum guaranty amount to $424,100.

VA HOME BUYER LOANS or VA MORTGAGE REFINANCE

VA Mortgage Lenders Serving Every CIty and County in Florida!

SAME DAY APRPOVALS! CALL NOW 954-667-9110

FLORIDA VA MORTGAGE ELIGIBILITY REQUIRMENTS

You must have suitable credit score MINIIMUM 550, sufficient income, and a valid Certificate of Eligibility (COE) to Qualify for a Florida VA mortgage. The Florida home must be for your own personal occupancy. The approval requirements to obtain a COE are listed below for Service members and Florida Veterans, spouses, and other eligible beneficiaries. VA mortgage loans can be used to:

Buy a Florida home, a Florida condominium unit in a VA-approved project
Simultaneously purchase and improve a Florida home.
Improve a Florida home by installing energy-related features or making energy efficient improvements
Get VA approved to buy a Florida manufactured home w/land lot.
Florida Eligibility Requirements for VA Mortgage Loans
Service members and Florida Veterans- To obtain a COE, you must have been discharged under conditions other than dishonorable and meet the service requirements below

ESTABLISHED TRADE LINES

Florida VA Mortgage lenders allow for both traditional and alternative credit trade lines. However, most Florida mortgage lenders require that you must have at least two lines of credit that you have maintained for at least a 12 month payment history.

Alternative lines of credit for NO CREDIT SCORE MORTGAGE APPROVALS for VA mortgage applicants are used to provide the ability and willingness to pay debt. VA alt trade lines defined as continuing proof of payment for direct service provider obligations, such as electirc, cell-phone, home-phone bills, rent history, car insurance, which require a timely monthly payment in order to establish a 12 month payment history. To be used as an alternative credit trade line must have existed for at least 12 months.

VA mortgage lenders do not consider absence of a credit history as an adverse factor. However, a minimum 12 month history of the VA mortgage applicant, including residence, income, assets and credit must be proven.

Funding Fee Tables

Type ofVeteran

Downpayment

Percentage for First time Use

Percentage for

Subsequent Use

Regular Military

None

5%or more

10%or more

2.15%

1.50%

1.25%

3.3% *

1.50%

1.25%

Reserves/National

Guard

None

5%or more

10%or more

2.4%

1.75%

1.5%

3.3% *

1.75%

1.5%

Note:In 2011,funding fees were lower from October 1 through October 5,and November 18 through November 21. The enactment of Public law 112-56,signed November 21,2011,establishes rates at the levels below through September 30,2016.Prior to September 30,2016,we will publish updated information on the fees for loans closed after that date.

Cash-OutRefinancing Loans:

Type ofVeteran	Percentage forFirstTime Use	Percentage forSubsequent Use
Regular Military	2.15%	3.3% *
Reserves/National Guard	2.4%	3.3% *

Note:Thereare no reduced funding fees for regular refinances based on equity. Reduced fees only apply to purchase loans where a down payment of atl east

5 percent is made.

*The highersubsequent use fee does not apply to these types of loans if the Veteran's only prior use of entitlement was for a manufactured home loan.

VA Status	Qualifying Wartime & Peacetime Periods	Qualifying Active Duty Dates	Minimum Active Duty Service Requirement
Florida Veteran	WWII	9/16/1940 - 7/25/1947	90 total days
	Post-WWII	7/26/1947 - 6/26/1950	181 continuous days
	Korean War	6/27/1950 - 1/31/1955	90 total days
	Post-Korean War	2/1/1955 - 8/4/1964	181 continuous days
	Vietnam War	8/5/1964 - 5/7/1975 *For Veterans who served in the Republic of Vietnam, the beginning date is 2/28/1961	90 total days
	Post-Vietnam War	5/8/1975 - 9/7/1980 *The ending date for officers is 10/16/1981	181 continuous days
	24-month rule	9/8/1980 - 8/1/1990 *The beginning date for officers is 10/17/1981	24 continuous months, OR The full period (at least 181 days) for which you were called or ordered to active duty
	Gulf War	8/2/1990 - Present	24 continuous months, OR The full period (at least 90 days) for which you were called or ordered to active duty
Currently On Active Duty	Any	Any	90 continuous days
Florida National Guard & Reserve Member	Gulf War	8/2/1990 - Present	90 days of active service
Florida National Guard & Reserve Member	Six years of service in the Selected Reserve or National Guard, AND Were discharged honorably, OR Were placed on the retired list, OR Were transferred to the Standby Reserve or an element of the Ready Reserve other than the Selected Reserve after service characterized as honorable, OR Continue to serve in the Selected Reserve

*If you do not meet the minimum VA service service requirements, you may still be eligible if you were discharged due to (1) hardship, (2) the convenience of the government, (3) reduction-in-force, (4) certain medical conditions, or (5) a service-connected disability.

Spouses The spouse of a Florida Veteran can also apply for home loan eligibility for a VA mortgage under one of the following conditions:

Un remarried spouse of a Florida Veteran who died while in service or from a service connected disability, or
Spouse of a Florida Service members missing in action or a prisoner of war
Surviving Florida spouse who remarries on or after attaining age 57, and on or after December 16, 2003
(Note: a surviving Florida spouse who remarried before December 16, 2003, and on or after attaining age 57, must have applied no later than December 15, 2004, to establish home loan eligibility. VA must deny applications from surviving spouses who remarried before December 6, 2003 that are received after December 15, 2004.)
Surviving Florida Spouses of certain totally disabled veterans whose disability may not have been the cause of death

BAD CREDIT FLORIDA VA MORTGAGE LIMITS

Although Florida VA mortgage do not have a maximum dollar amount, Florida mortgage lenders who sell their VA loans in the secondary market must limit the size of those loans to the maximums prescribed by GNMA (Ginnie Mae) which is currently 417,000..

100% FLORIDA VA HOMESTEAD EXEMPTION

Any Florida homestead by a veteran who was honorably discharged with a service-connected permanent and total disability and for whom a letter from the United States Government or VA or its predecessor has been issued certifying that the veteran is totally and permanently disabled is exempt from taxation, provided the veteran is a permanent resident of the state on January 1 of the Florida tax year for which property exemption is being claimed or on January 1 of the year the veteran died.

BENEFITS OF A FLORIDA VA MORTGAGE LOAN

No money down for Florida VA loans up to $417,000.
Seller paid closing cost up to 4%.
No PMI (Private Mortgage Insurance)
Government regulated Florida VA loan closing costs.
VA streamlined refinance loans can be closed in 7 to 14 days
VA BAD CREDIT FLORIDA MORTGAGE DOWN TO 580 FICO.
No limit to the number of times a veteran may use a VA mortgage.
NO CREDIT SCORE FLORIDA VA HOME LOANS USING ALTERNATE TRADE LINES.

In addition to these benefits, the VA Mortgage Loan program offers default assistance to veteran borrowers in financial difficulty through a higher level of service and a greater range of alternatives to avoid foreclosure. Delinquency and foreclosure rates for VA mortgage loans are substantially less because of the VA mortgage protections in place.

www.Florida-Mortgage-Lenders.com

VA FLORIDA MORTGAGE FUNDING FEES

The Veterans Administration assesses a Funding Fee to all VA loans between .5% and 3.3% of the loan amount. The VA mortgage funding fee is added into the VA mortgage amount of the loan to be paid over the life of your VA mortgage loan. The VA mortgage Funding Fee replaces the much higher priced Florida (PMI) Mortgage Insurance required when you get a conventional home loan. Disabled Florida Veteran homebuyers may even qualify to get the fee waived completely.

QUALIFYING FOR A FLORIDA VA MORTGAGE

The VA offers excellent qualifying standards. The VA does not use credit scoring as their primary analysis of the loan. Florida VA mortgage applicants with some past financial difficulties may still qualify for a VA mortgage loan. The VA mortgage can be a tremendous savings compared to the cost of conventional loans for those veterns with past credit issues.

FLORIDA VA MORGAGE REFINANING

VA mortgage loans have built in features allowing a Florida VA mortgage to be refinanced to a lower interest rate without all of the criteria normally red tape associated with a conventional mortgage. This is called an Interest Rate Red

VA INFORMATION LINKS

VA HOME LOAN AFTER BANKRUPTCY

VA MORTGAGE REFINANCE FLORIDA

THE FLORIDA VA LOAN GUARANTEE

VA LOAN FLORIDA

BAD CREDIT VA MORTGAGE LOANS

BAD CREDIT FLORIDA VA MORTGAGE

SERVING ALL FLORIDA VA BASES INCLUDING

Florida VA Mortgage lenders

Camp Blanding Starke

Built in 1940, Camp Blanding is a Florida National Guard training base, both Army and Air. Other military units, counter-drug units, and law enforcement agencies also utilize the 73,000 acres of training ground. The base itself can accommodate 3,000 personnel. During World War II the Army used Camp Blanding for training, housing German prisoners, induction, and separation. At that time it sprawled 170,000 acres of land. On base there is a museum, Camp Blanding Museum, open to the public that covers the history of the base and the Florida National Guard. It also has a display of weapons and equipment used from WWI to the Iraq War.

Florida VA Mortgage Approvals At All Florida Air Force Bases

Eglin AFB Valparaiso

Eglin AFB is operated by Air Force Materiel Command and located in Valparaiso, Florida. The air base was established as Valparaiso Bombing and Gunnery Base on June 14, 1935 and was later renamed Eglin Field on August 4, 1937. It is currently home to the 96th Air Base Wing, commanded by Colonel Bruce H. McClintock. The base is named after Lieutenant Colonel Fredrick I. Eglin who died in an A-17 crash. The Air Armament Center is headquartered at Eglin AFB. The base is also one of the Air Force Materiel Command’s three product centers. The Air Armament Center, the Air Force focal point for all its armaments, is responsible for the development up to the sustainment of air-delivered weapons.

Hurlburt Field Mary Esther

Hurlburt Field is located in Okaloosa County, near Mary Esther, Florida. It serves as a support air field for Eglin Air Force Base. The airfield is home to the 1st Special Operations Wing, the USAF Special Operations School, and the 505th Command and Control Wing of the Air Combat Command. Hurlburt Field is named after First Lieutenant Donald Wilson Hurlburt who died in a crash at Eglin and is under the command of Colonel Brad Webb. Hurlburt was historically used by the Doolittle raiders to practice taking off their B-25 Mitchell bombers on a short runway to improve their ability to take off from an aircraft carrier’s short flight deck.

MacDill AFB Tampa

MacDill AFB is operated by Air Mobility Command and located in Tampa, Florida. It was established in 1939 as Southeast Air Base, Tampa and is currently home to the 6th Air Mobility Wing of the Air Mobility Command which is part of the Eighteenth Air Force of the AMC. MacDill AFB is named after Colonel Leslie MacDill, a World War I aviator whose BC-1 crashed at Anacosta, D.C. MacDill Air Force Base has about 6,000 military and civilian personnel on 5,000 hectares. The base witnessed a large stream of activity during the Cuban Missile Crisis of 1962. It was used as a staging point for a planned aerial bombardment of Cuba in the event that a US invasion was to take place. Thankfully, the crisis was resolved and the planned air strikes never materialized.

Patrick AFB Brevard

Patrick AFB is operated by Air Force Space Command and located in Brevard County, Florida. It is home to the 45th Space Wing, the 920th Rescue Wing, the Air Force Technical Applications Center, and the Defense Equal Opportunity Management Institute. Patrick Air Force Base is named after Major General Mason Patrick, a former U.S. Army general and an air power advocate. The base was named Long Range Proving Ground Base on May 17, 1950 but later accepted its present name barely 3 months later. The base employs 10,400 and is home to 13,099 military personnel and their families, civilian employees, and contractors. Its mission is to provide combat capabilities through operations involving Eastern Range, launch, and expedition.

Tyndall AFB Panama City

Tyndall AFB is part of Air Education Training and Command near Panama City, Florida. It is home to the 325th Wing, First Air Force headquarters, and the 53rd Weapons Evaluation Group. Tyndall AFB is named after World War I pilot, First Lieutenant Frank Benjamin Tyndall, a Silver Star recipient and commander of the 22nd Aero Squadron who shot down four enemy planes over France. The 325th wing is tasked with forming an air superiority team. This wing trains F-15 pilots, air traffic controllers, F-15 intelligence personnel, weapons controllers and crew chiefs. On February 16, 2003, a tornado struck the air force base causing an estimated $250,000 worth of damage to 10 facilities. Among the damages were the 1st Air Force A-1 building, and more than 30 vehicles.

Florida VA Mortgage Loans At Florida Coast Guard Bases

Air Station Clearwater Clearwater

Known officially as the United States Coast Guard Air Station Clearwater, this base is located in the St. Petersburg-Clearwater International Airport in Florida. It is currently the largest air station maintained by the US Coast Guard across the country. Clearwater currently operates two satellite stations in the Bahamas, one in the Great Inagua Island and the other in the Andros Island, which also houses the Atlantic Underwater Testing and Evaluation Center (AUTEC) support base and tracking stations. The base is headed by Capt. John G. Turner, who replaced former commander Capt. Todd A. Sokatzuk last June. There are around 600 US Coast Guard aviation and support personnel station in Clearwater. It also maintains 6 HC-130 Hercules aircraft and 9 HH-60 Jayhawk medium range helicopters as part of its fleet.

District 7 Miami

The main headquarters of the United States Coast Guard 7th District is located in Miami Florida. The 7th District oversees Coast Guard operations for the the states of Florida, Georgia, and South Carolina, as well as patrolling the Caribbean and Puerto Rico. The District is currently under the command of Rear Admiral William D. Baumgartner. The 7th District patrols more than 1.8 million square miles of ocean in its jurisdiction. For this purpose, it employs several high speed ships and aircraft. Aside from patrolling the coasts, another important task of the USCG 7th District is to intercept illegal immigrants, as the area is a common route taken by those wishing to enter the country without proper documentation. The District is also involved in operations against the illegal drug trade.

ISC Miami Miami Beach

The USCG Integrated Support Command headquarters in Miami provides support duties for the operation of the United States Coast Guard’s 7th division, also based in Miami. One of the major task of the USCG ISC’s Miami branch is maintenance of the housing and other facilities used by USCG 7th District’s personnel. The unit also provides health services for Coast Guard personnel. Under the United States Coast Guard’s modernization program, which took effect on Sept. 27, 2009, the Integrated Support Command has since been broken up into three separate units. These are the Bases Support Unit (BSU), the Personnel Services and Support Unit (PSSU), and the health Safety Work-Life Field Office Services. The Miami division of these new units have since occupied the former base of ISC Miami.

Florida VA Mortgage Approvals At All Marine Corps Bases

Blount Island Command Jacksonville

The Blount Island Command is part of the United States Marines Corps’ Maritime Prepositioning Ships program, which aims to provide support to various US Marines Corps’ units stationed around the world. The base is able to supply the needs of the troops for at least 30 days. The base is located on Blount Island in the Jacksonville section of the St. John’s River in Florida. The US Marine Corps’ initially leased the base from a private company in 1986, finally purchasing it on 2004. The base has facilities for the maintenance and resupply of the several MPS vessels that dock here regularly, it also has several docks to immediately deploy these ships. Blount Island Command is currently headed by Col. Steve Peters of the United States Marine Corps.

Florida VA Mortgage Approvals At All Florida Navy Bases

AUTEC Complex West Palm Beach

The Atlantic Undersea Test and Evaluation Center is a laboratory tasked with the maintaining the naval supremacy of the US Navy through research and testing. The military utilizes three main ranges for testing. The main ones are in West Balm Beach, Florida and Andros Island, Bahamas. The Center has the ability to track many deep water, in-air, and in-water targets simultaneously. The AUTEC tests and certifies submarine captains and their crews as well as the accuracy of their undersea weapons. The US made a joint agreement with the Royal Navy to construct the Bahamas facility and the UK has equal access to the test facilities.

NAS Jacksonville Jacksonville

Naval Air Station Jacksonville is a military air base located in Jacksonville, Florida. It was established in October 15, 1940 and is now the 3rd largest installation of the United States Navy. The station is currently under the command of Captain John C. Scorby. Naval Air Station Jacksonville is home to Patrol Wing Eleven, the Sea Control Wing Atlantic, and the Helicopter Antisubmarine Wing Atlantic. Major aircraft operated by the air station include P-3Cs and S-3Bs fixed wing aircraft, and SH-60 and HH-60 helicopters. The air station is also home to the largest aviation squadron of the Navy, the Patrol Squadron Thirty. This squadron is also the only Orion Fleet Replacement Squadron tasked with preparing and training US and allied pilots and aircrews. The base is the oldest of Navy base in Jacksonville and encompasses 3,896 acres.

NAS Key West Key West

Naval Air Station Key West is a naval air base located in Key West, Florida. Established in December 15, 1940, the base has been upholding its mission of supporting operational and readiness requirements for various government branches such as the Department of Defense, the Department of Homeland Security, various National Guard Units, federal agencies, and allied forces. The base is currently under the command of Captain S. W. Holmes. Naval Air Station Key West is home to the Fighter Composite Squadron 111, the Strike Fighter Squadron 106 Detachment, the Construction Battalion Maintenance Unit Detachment Key West, the U.S Army Special Forces Underwater Operations School, and the Joint Interagency Task Force South. The base is the Navy’s premier pilot training facility for transient tactical aviation squadrons.

NAS Pensacola Pensacola

Naval Air Station Pensacola is a naval base located in Escambia County, near Pensacola, Florida. Established in 1913, the station has grown to be the Cradle of Naval Aviation, owing to the number of Naval Aviators, Naval Flight Officers, and Enlisted Crewmen who have undergone flight training in the station. It has since been the traditional home of naval aviation and naval flight training. It is also home to the United States Navy Flight Demonstration Squadron, the Blue Angels. Naval Air Station Pensacola is also home to the Naval Air and Operational Medical Institute which trains all naval flight medical personnel, and the Naval Air Technical Training Center which trains all aircraft maintenance and aircrews of the United States Navy, Marine Corps, and Coast Guard.

NAS Whiting Field Milton

Naval Air Station Whiting Field is one of only two primary pilot training bases of the United States Navy. The base is located in Milton, Florida, and is now considered the busiest Naval Air Station in the world. This holds true because the air station is responsible for 46 percent of the Naval Air Command Chief’s flight time and more than 10 percent of the flight time of the Navy and the Marine Corps. Whiting Field has served as a premier aviation training facility for the Navy since its establishment in July of 1943 and holds the primary mission of training student naval aviators in fixed-wing aviation, and in advanced helicopter training. The base trains 1,200 aviation personnel every year. The base is home to Training Wing Five which has 3 fixed wing training squadrons and one helicopter training squadron.

Naval Air Warfare Center Orlando

The Naval Air Warfare Center Training System Division is a unit under the control of the Naval Air Systems Command. It is one of several Air Warfare Centers tasked to provide technical support for the aircraft and airborne weapon systems used by the United States Navy. For its part, the NAWCTD is tasked to develop and procure systems to be used for the training of pilots and other personnel. Aside from air warfare training, the NAWCTD also handles the development of systems for training personnel in surface and undersea operations. The unit also concerns itself with training for specialized tasks, such as sonar operation and firefighting. In order to fulfill its duty, the NAWCTD works closely with other agencies and private companies. The main headquarters of the NAWCTD is located in Orlando, Florida.

Naval Hospital Jacksonville Jacksonville

The Jacksonville Naval Hospital is located within NAS Jacksonville. It provides both in-patient and out-patient care to the military personnel of all uniforms stationed in the area. It also extends its services to the families of active servicemen, as well as those of retired personnel. The hospital is the home of the largest Family Physician Training Program for the United States Navy. It also provides for rehabilitation and assistance services for substance addiction through the Naval Addictions Rehabilitation Center. Each year the hospital receives more than 10,000 in-patients and also serves 400,000 out patients. The hospital is currently headed by Capt. Lynn Welling, MC, USN.

Naval Hospital Pensacola Pensacola

The Pensacola Naval Hospital serves the personnel assigned at the Pensacola Naval Air Station and their families. It also provides medical services for retired Navy servicemen currently living in the area. Naval Hospital Pensacola administers general medical care, and it also has several specialized surgical departments. The hospital is capable of handling 108 patients at any given time, as well as several out patients. The hospital employs around 2,000 active service personnel as well as several hundred civilian volunteers, it regularly opens its doors for those wishing to help in the hospital’s operations. In recent years, it has received several awards of excellence for its services. The hospital has also been highly commended for its services in the Red Cross. Capt. Richard L. Buck currently leads the hospital’s administration.

NS Mayport Duval

Naval Station Mayport is a military base located 7 miles east of Jacksonville, Florida at the mouth of St. Johns River. The station has an asphalt paved airfield named Admiral David L. McDonald Field. Established in December 1942, Naval Station Mayport has expanded extensively and has now been recognized as the third largest United States naval fleet concentration area. The harbor of the base can accommodate 35 ships and the airfield can handle most of the aircraft of the United States air arsenal. The airfield conducts 135,000 sorties annually. Naval Station Mayport is currently under the command of Captain Aaron L. Bowman and is home to the United States 4th Fleet. The base is home to 14,000 active-duty personnel, 45,000 family members, and 1,400 civilian personnel.

NSA Panama City Panama City

The Naval Support Activity Panama City in Florida is a research center in Florida aimed at advancing the United States Navy’s littoral, or near shoreline, warfare capabilities. The base houses several departments, each focusing on a particular aspect of shoreline and near shoreline underwater operations. These departments include the National Surface Warfare Panama Division, which is the main research and development division of the base; the Navy Experimental Diving Unit, which assists in the training of Navy scuba divers; and the Navy Diving Salvage and Training center. Much of the research done by the United States Navy on the development of hovercrafts for military purposes is conducted on the base. The NSAPC also actively develops robots used by the Navy for underwater operations. The NSA PC is currently headed by Cmdr. Jessica M. Pfefferkom, its first female commander.

Training Center Corry Pensacola

Corry Station Naval Technical Training Center is a military training base located in Pensacola, Florida. It was established in 1923 as Corry Field, an aviation training complex for advanced fighter training. The base is named in honor of Lieutenant Commander William Corry Jr., of the United States Navy in World War I and a Medal of Honor recipient. The naval base is now home to the Navy’s Center for Information Dominance. The CID is the result of the merger of the former Center for Cryptology Corry Station and the Center for Information Technology San Diego. Corry Station employs 606 military personnel as well as 71 civilian employees. 7,500 students are trained in the station each year. The station is also home to the Navy Information Operations Command Pensacola, which provides Cryptology support for units worldwide.

VA MORTGAGE LENDERS FLORIDA

FLORIDA VA MORTGAGE ELIGIBILITY REQUIRMENTS

Florida VA Mortgage lenders

Camp Blanding Starke

Florida VA Mortgage Approvals At All Florida Air Force Bases

Eglin AFB Valparaiso

Hurlburt Field Mary Esther

MacDill AFB Tampa

Patrick AFB Brevard

Tyndall AFB Panama City

Florida VA Mortgage Loans At Florida Coast Guard Bases

Air Station Clearwater Clearwater

District 7 Miami

ISC Miami Miami Beach

Florida VA Mortgage Approvals At All Marine Corps Bases

Blount Island Command Jacksonville

Florida VA Mortgage Approvals At All Florida Navy Bases

AUTEC Complex West Palm Beach

NAS Jacksonville Jacksonville

NAS Key West Key West

NAS Pensacola Pensacola

NAS Whiting Field Milton

Naval Air Warfare Center Orlando

Naval Hospital Jacksonville Jacksonville

Naval Hospital Pensacola Pensacola

NS Mayport Duval

NSA Panama City Panama City

Training Center Corry Pensacola

Fast Consultation

CREDIT REQUIREMENTS