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VA Loans

The Veteran Affairs (VA) Loan is an excellent loan for eligible military veterans and their families to qualify for 100% financing of a home purchase or refinance. This product is offered by Lending Hand Mortgage through participating lenders at very competitive interest rates.

The maximum loan amount offered by lenders for a Florida VA loan is $417,000.

Other benefits of a VA loan are more relaxed income and credit restrictions than conventional financing.

Here are some of the qualifications of Veterans seeking a VA loan:

• Veterans who served on active duty and have a discharge other than dishonorable after a minimum of 90 days of service during wartime or a minimum of 181 continuous days during peacetime.
• 2 years requirement if the veteran enlisted and began service after September 7, 1980 or was an officer and began service after October 16, 1981
• 6 year requirement for National guards and reservists with certain criteria and there are specific rules concerning the eligibility of surviving spouses
• If you are now on regular duty (not active duty for training), you are eligible after having served 181 days unless discharged or separated from a previous qualifying period of active duty
• If you are an un-remarried spouse of a veteran who died while in service or from a service connected disability
• If you are a spouse of a serviceman missing in action or a prisoner of war
• A surviving spouse who remarries on or after attaining age 57, and on or after December 16, 2003, may be eligible

All Veterans seeking a VA loan will need to obtain a Certificate of Eligibility from the Veteran's Administration. The Loan Specialists at Lending Hand Mortgage can help you obtain your VA Certificate. Call us today or apply online!