Loan options
VA Loans
Not every loan fits every situation. Here’s how I match you to the one that fits yours.
What is it?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs for eligible veterans, active-duty service members, and some surviving spouses. It’s one of the strongest benefits earned through service.
Quick facts
Who it fits
- Veterans and active-duty service members
- Eligible National Guard and Reserve members
- Some surviving spouses
- Buyers who want to keep more cash available at closing
Good to know
VA loans often don’t require a down payment and don’t require monthly mortgage insurance. A VA funding fee may apply, with exemptions for some borrowers. You’ll need a Certificate of Eligibility, and I can help you get that started. The property must also meet VA standards.
The process
- Step 1
We confirm your Certificate of Eligibility (COE)
- Step 2
I check remaining entitlement if you’ve used a VA loan before
- Step 3
We move fast, no down payment or PMI to plan around
Common questions
Can I use my VA benefit more than once?
In many cases, yes. Eligibility details depend on your history.
Can I use a VA loan to refinance?
Yes, there are VA refinance options, depending on your situation.
Is the funding fee required?
It depends on your service and loan details. I’ll confirm yours.
Tampa Bay has a large military and veteran community, and I’m glad to help you use your benefit here. See where I work.
Ready to find your match?
Find Your MatchThis is general information, not a commitment to lend or a rate quote. Programs, limits, and eligibility vary by borrower and property and can change. Equal Housing Opportunity. Jermin Munoz, Mortgage Loan Originator, NMLS# 2689451.