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  • I'm only getting started with purchasing my home and Brian really helps lower my stress and worries as a first time home buyer. So far, he has took me step-by-step through the pre approval process, understanding what I'm getting myself into and made EVERYTHING possible for me to stay within my budget and I couldn't… Sasha S. - July 26, 2023
  • Bankers Mortgage Lending has helped us two times and has made the process easy and smooth each time. The personal attention Brian and his team offer is what sets them apart. They were on top of all emails and quick to respond if we ever had any questions, even outside of normal business hours (thank… Maylenis V. - July 26, 2023
  • They made it possible for me to get my first home. Hands down, the best team to have on your side working for you. Peterson D. - July 26, 2023
  • Bankers Mortgage Lending helped me out with getting my first mortgage. Brian and his team were extremely professional and made the whole process easy to understand, especially from someone going through this for the first time. Any questions I had he was always there to help. Matt Miller - July 26, 2023
  • Michael's calm demeanor, knowledge, and professionalism made our home buying experience a pleasure. We would happily work with him and the Bankers team again and again and highly recommend others do the same. Michael you're the best! Dan P. - July 25, 2023
  • What a great company. Brett always goes the extra extra mile for my family and I, frankly, there’s no way I would be in my beautiful home without them. Richard Berger - July 5, 2023

What is a VA Home Loan?

VA home loans are ones guaranteed by the U.S. Department of Veterans Affairs. They were created by the government in 1944; since then, more than 24 million VA loans have been originated, helping veterans, active duty military members and their families purchase or refinance a home.

The fact that these loans are backed by a government agency makes lenders feel more comfortable in offering them, as they pose less risk. As a result, it’s possible to get a VA loan in Florida without a down payment, and with sometimes-looser credit requirements.

The basic intention of the VA home loan program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment. The loan may be issued by qualified Florida lenders.

VA Loan Requirements

  • Have at least 90 consecutive days of active service during wartime or at least 181 consecutive days of active service during peacetime.
  • Have more than six years of service in the National Guard or Selective Reserve.
  • Be the surviving spouse of a service member who died while on active duty or from a service-connected disability and you have not remarried or remarried after age 57 or Dec. 16, 2003. Spouses of prisoners of war or service members missing in action are also eligible.
  • Meet the lender’s requirements for credit and income. The VA doesn’t set a minimum credit score for VA loans, but lenders can set their own minimum standards. The lender will also consider your income and debts to evaluate your ability to repay the mortgage.
  • Borrowers need to show they have the income to make the mortgage payments and they shouldn’t have a huge debt load.
  • While there is no minimum credit score requirement, borrowers might have a hard time getting approved by a lender if they don’t have at least a 620 FICO Score.
  • The property you want to buy must meet safety standards and building codes and will be your primary residence.
  • In order to go through the process, you need to obtain a VA Certificate of Eligibility (COE). Without this certificate, you won’t be able to get your loan.

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