VA Loans

As your company continues to grow, increasing your workspace through a commercial mortgage becomes increasingly important.

More information about our commercial loan offerings can be found by contacting us via email or by telephone at 305-896-4326 . Our qualified professionals are ready to answer any and all of your commercial loan questions as well as help you begin the application process.

You may be eligible for a VA loan if any one of these statements describes you:

As a rule of thumb, almost all active duty or honorably discharged service members are eligible for a VA loan

I served 181 days during peacetime. (Active Duty)

I served 90 days during wartime. (Active Duty)

I served 6 years in the Reserves or National Guard.

I am the spouse of service member who was killed in the line of duty.

I currently receive disability payments from the VA.

What is the VA Funding Fee and is it required?

Yes, it is required. It is a fee paid directly to the Department of Veteran's Affairs so that they can guarantee your loan and provide you with the opportunity to receive a loan with little to no money out of pocket.

How much is the VA Funding Fee?

It depends on several factors including: Whether you are Active Duty, Retired, Guard or Reserve and whether you this is a first time use, subsequent use, or a cash-out refinance as well as how much of a down payment you are putting down. The fee can range from as little as 1.25% up to 3.3% of the loan. Generally, the more money you put down the lower the VA funding fee. Please contact us and we will help you to determine how what the exact cost of the VA Funding Fee would be for your particular situation.

Do I have to pay the VA Funding Fee out of pocket?

No, you can include the VA Funding Fee in your loan and pay the funding fee over the course of your loan.

Do I still have to pay other normal closing costs like Appraisal, Title and Escrows?

Yes, however with a VA loan if you are purchasing a new home the seller can pay for all or part of your closing costs.

What is a VA Streamline Refinance?

A VA Streamline Refinance is a refinance option that is available if you already have a VA mortgage and you want to lower your interest rate with little or no out-of-pocket closing costs. You don't have provide bank statements, W2s, job verification or paychecks.

These materials are not from HUD, VA, or FHA and were not approved by HUD or any other government agency.

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