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There's no better way for Tampa Florida military members and veterans to finance that Tampa Florida home than with a VA mortgage. With Florida-Mortgage-Lenders.com, you're sure to get the best VA mortgage deal to finance 100 percent of your home. You may qualify for a loan worth more than $417,000. To find out, complete our simple form as the first step in obtaining a Tampa Florida VA mortgage.

FLORIDA VA MORTGAGE LENDERS – VA MORTGAGE ADVANTAGES INCLUDE:

  • Minimum 550 Credit Score!
  • Insured by the Veterans Administration
  • Seller paid closing cost up to 4% of the sale price
  • 100% Financing - No Monthly mortgage insurance.
  • VA mortgage Amounts to $417,000
  • Jumbo VA loans to $700,000
  • VA Streamlined Refinance Available
  • Funding Fee can be Financed
  • Competitive Rates
  • Easier Qualifying No Credit Score VA Mortgages OK

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www.Florida-Mortgage-Lenders.com

USE THE VA MORTGAGE TO PURCHASE A TAMPA HOME WITH $0 DOWN

Now more than ever Tampa mortgage lenders are requiring large down payments, many loan programs require 10-20% down, putting home ownership out of reach for many Tampa Florida first time home buyers. A VA mortgage loan is perfect for VA families and Tampa Florida first time home buyers because the borrower can finance 100% of the home's value and purchase with $0 down payment. And, the seller can credit up to 4% to cover all of your closing cost.

THE VA MORTGAGE IS EASIER TO QUALIFY FOR!

Because many Tampa Florida first-time home buyers typically don't have a lot of established credit, getting qualified for a conventional mortgage can be difficult. The credit and income standards are not as strict. But with a VA mortgage loans are much easier to qualify for making the process easier.
Because the VA mortgage is backed by the government, Tampa VA mortgage lenders do not require PMI (private mortgage insurance) which is an added monthly expense. Interest rates for Tampa Florida VA mortgages are typically lower than conventional loans. These two advantages could add up to big savings for veteran homebuyers.

TAMPA FLORIDA VA APPROVED CONDOS

Condo Name ID Record Type
345 BAYSHORE 000164 Condo
ALCAZAR 000337 Condo
BAY POINTE 000555 Condo
BAYSHORE TRACE H00242 Condo
BAYSWATER CLOSE @ OLDE 612523 Condo
BRANDY CHASE H04498 Condo
CARROLLWOOD GABLES H11370 Condo
CARROLLWOOD VILLAGE CHASE 000338 Condo
CEDAR WOODS H01721 Condo
CHARLESTON BY THE BAY 612439 Condo
CHARLESTON BY THE BAY 612439 Condo
COLONY BAY H00904 Condo
EQUESTRIAN PARC AT H11714 Condo
FAIR OAKS NORTH & SOUTH C H11409 Condo
FAIR OAKS SOUTH 019301 Condo
FAIROAKS SOUTH H03184 Condo
FAIRWAY LAKES TOWNHOMES H11377 Condo
GRAND PAVILION H11673 Condo
GREENS OF TOWN & COUNTRY H11397 Condo
GREENS-TOWN & COUNTRY H03240 Condo
HARBOUR PLACE CITY HOMES H11644 Condo
ISLAND PLACE 612303 Condo
LANDINGS OF TAMPA 612371 Condo
LAS YBOR CITY HOMES 612399 Condo
LOFTS H02077 Condo
MARINER CONDMINIUM APTS N 000156 Condo
MEADOWOOD D08670 Condo
MEADOWOOD VILLAGES H11558 Condo
MONTE CARLO TOWERS 000245 Condo
NEW TRIAD TOWNHOMES 612647 Condo
NORTH OAKS 031800 Condo
OAKS H03236 Condo
OXFORD PLACE @ 612515 Condo
PALMERA POINTE H11582 Condo
PARK BAYSHORE 000332 Condo
PARKCREST HARBOUR ISLAND 612498 Condo
PARKSIDE OF ONE BAYSHORE 612606 Condo
PINNACLE @ CARROLLWOOD 612484 Condo
PINNACLE APARTMENTS 000408 Condo
PLACE ONE 005801 Condo
RAINTREE H00909 Condo
RAINTREE MANOR H00908 Condo
RENAISSANCE VILLAS H11487 Condo
RIVER OAKS CONDO 1, H00910 Condo
RIVER OAKS I, PH 1 H11348 Condo
SCHOONER COVE H11579 Condo
SCHOONER COVE - ALL PHASES 612630 Condo
SEDDON, A CONDOMINIUM 612645 Condo
SHELDON WEST 612364 Condo
SKYPOINT H11619 Condo
SPINNAKER COVE PH 1 SEC D-1 000188 Condo
STONE CREEK POINTE H11583 Condo
TEMPLE TERRACE PATIO HOME H01992 Condo
THE CLUB @ HIDDEN RIVER H11672 Condo
THE FALLS @ NEW TAMPA H11626 Condo
THE GRAND RESERVE CONDO H11584 Condo
THE HIGHLANDS @ HUNTER'S H11383 Condo
THE PRESERVE AT H11632 Condo
TIFFANY SUITES H00055 Condo
VENTANA H11713 Condo
VICTORIA TERRACE 016701 Condo
VILLAS AT CARROLLWOOD 612361 Condo
WATER'S EDGE, A CONDOMINIUM 000112 Condo
WESTSHORE CLUB H04077 Condo
WESTSHORE YACHT CLUB 612563 Condo
WHISPER LAKE H02442 Condo

FLORIDA VA MORTGAGE LOANS ARE THE BEST OPTION!

Florida VA Mortgage Lenders Provide VA Purchase Loans: The VA mortgage purchase program allows eligible Florida VA mortgage applicants to finance up to 100% of the homes purchase price. Since the elimination of down payment assistance programs, the VA mortgage program has become one of the last remaining 100% home loans in the nation. With many conventional Florida mortgage programs now requiring 10-20% down payment, the Veteran’s Assistance home loan is a great choice for Florida home buyers with limited or no down payment. The best part of the VA mortgage is NO monthly mortgage insurance charge. Within this article we will discuss some VA mortgage program benefits and things Florida mortgage applicants should know about eligibility. The data enclosed below will help you be prepared for your Florida VA mortgage application.

FLORIDA VA MORTGAGE PROGRAM BENEFITS INCLUDE:

  • VA 100% financing home purchases: Most conventional Florida Mortgage Lenders require at least 10% down payment which is not possible for many Florida Veterans and military families. FHA requires a 3.5% down payment and has very high monthly mortgage insurance. Because a VA Mortgage is guaranteed to the lender (by Veterans Administration) they do not require a down payment.
  • VA mortgage loans do not have mortgage insurance (PMI): Even with $0 down payment, a VA Mortgage does not have mortgage insurance (PMI) as part of the monthly payment. Conventional programs with less than 20% down and FHA both have expensive mortgage insurance that can cost buyers several hundred dollars every month.
  • VA mortgage loans have very low interest rates: Because VA Mortgages are guaranteed by the Department of Veterans Affairs, the risk level associated with default is much lower. As a result, the interest rates are usually lower than a conventional program with less than 20% down. Like a VA loan, FHA and USDA loan programs are also backed by the government and have similar interest rates.
  • VA mortgage loans can be used to purchase just about any home: The VA purchase mortgage can be used for any HUD compliant single family home, town home or approved condo. All properties must meet the basic VA mortgage standards in regards to condition and safety. All government mortgage programs like VA, FHA and USDA follow similar property condition guidelines.  The Florida home seller can be anyone including a private owner a Florida bank owned REO, Florida foreclosure, short sale, or “buy owner” type seller.
  • Easy qualifying criteria: Florida VA Mortgage Lenders guidelines are more flexible than many other mortgage programs. The VA mortgage loans is guaranteed by the government and most Florida VA Mortgage Lenders have lower credit requirements, making them easier to qualify. Current minimum credit score requirement for most mortgage companies is 620.

FLORIDA VA MORTGAGE LOAN ELIGIBILITY:

VA mortgage loan eligibility can be established for U.S. service personnel currently on active duty or honorably discharged when minimum service requirements are met. Eligibility for a VA mortgage can be earned by serving in any branch of the US military, Coast Guard, Reserves or National Guard Army, Navy, Air Force, Marine Corps, VA mortgage applicants are likely eligible for a VA VA mortgage if you served the following:

  • 90 days and are currently on active duty.
  • 181 days during peacetime
  • 6 years in the National Guard or Reserves.
  • If you are an unmarried surviving spouse.
  • Please note: Just because you are eligible for VA mortgage benefits does not guarantee VA mortgage approval. Applicants still must meet all lender qualifying requirements in regards to credit score, debt, income stability, etc.

PLEASE NOTE: Florida VA homebuyers who qualify as 10% disabled or greater as a result of active military service are NOT required to pay a funding fee. Those who are not exempt from a VA funding fee may lower their fee by putting money down on their VA mortgage purchase. For all Florida VA mortgage loans, the funding fee may be paid in cash or it may be rolled into the VA mortgage loan.

FLORIDA VETERANS MUST GET A DD214- Your DD-214 is required on the VA mortgage because it lets the Florida VA Mortgage Lenders what type of discharge you had from the military which will determine if you are eligible for VA mortgage benefits. If you are active duty this does not apply. If you have misplaced your DD214, you can order one from the Veterans archives website at http://www.archives.gov/veterans/military-service-records/ It is a good idea to have your DD-214 before applying for your VA home loan. Not having this form in advance can delay your home purchase until received. If you have questions or need help, please reach out to us by submitting the short info request form on the right side. We are always happy to assist you.

FLORIDA VA MORTGAGE FUNDINF FEES: Take note the VA funding fee is paid on all purchase and refinance transactions with the exception of certain disabled Vets. The funding fee is paid directly to the Department of Veterans Affairs so eligible military and past veterans can take advantage of 100% financing. Below we have outlined the Florida VA funding fee chart.

FLORIDA VA CERTIFICATE OF ELIGIBILITY – COE - The VA Certificate of Eligibility causes some confusion for Florida Veterans when attempting to use their VA mortgage benefits. The Certificate of Eligibility (COE) form is designed to tell both lender and the Veteran that they have sufficient entitlement/guarantee to use their Florida VA mortgage benefits. If you want to purchase a Florida home using a VA loan, you must prove that you have the military service to qualify for this benefit. That proof of qualification being the certificate of eligibility. You’ll also need a COE to refinance A Florida mortgage from a conventional to a VA loan but not for a Florida VA streamline IRRRL refinance.

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CREDIT REQUIREMENTS

FHA MORTGAGE

550 MIN FICO

PORTFOLIO MORTGAGE

NO MINIMUM

VA MORTGAGE

550 MIN FICO SCORE 

USDA LOANS

580 MIN FICO SCORE 

FANNIE MAE.

620 MIN FICO SCORE 

FREDDIE MAC

620 MIN FICO SCORE 

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Reviews on Zillow
1399173
"Thomas went above and beyond to get our mortgage approved. We had a couple of "hiccups" with our VA financing and Thomas was able to get them resolved ... more "
5.0/5.0
by lbaze2008
1375949
"I was hesitant to utilize someone from the internet to obtain my home loan. I even let my real estate agent talk me into going with someone local ... more "
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by rmac333
1345066
"Thomas martin was a great help with our mortgage . it was a stressful time in our life , but Thomas remained calm through out the whole process which ... more "
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