Jacksonville VA Loans

For qualified veterans looking to relocate to Jacksonville, right now is the perfect time to apply for a Florida VA Loan. The VA Home Loan Guaranty Program has helped millions of veterans and their families afford homes since it was implemented in 1944. Today, the VA has made the loan process easier and more affordable than ever for all of its current military members and veterans.

Conventional Loans vs. VA Loans

VA Loans have many benefits that you will not find with a conventional loan, like the zero-down feature. Conventional loans typically require about 20% for a down payment whereas VA Loans do not require any money down. With a VA Loan you also won’t have to pay for costly private mortgage insurance. The other great benefits of VA Loans include low interest rates, flexible repayment options, streamlined refinancing, quick approval and minimal closing fees, to name a few.

Refinancing

If you already have a Jacksonville VA Loan, you may want to refinance to take advantage of lower interest rates. To do this, you can apply for an Interest Rate Reduction Refinancing Loan (IRRRL). The IRRRL is also known as the VA Streamline Refinance because it requires no additional paperwork or out-of-pocket expenses. If you need money right now, you can opt for the VA Cash-out Refinance. This plan allows you to borrow money against the house’s equity to be used for tuition, outstanding liens, repairs, new cars, etc.

Qualifying

In order to obtain your VA Loan, you will need to submit an eligibility form with the VA. The rules state that both veterans and current military personnel need to have served at least 181 days of regular active-duty service in order to qualify. Once the VA has reviewed and approved your form, you will be issued a Certificate of Eligibility (COE) in the mail. With your COE in hand you are free to start house shopping or get pre-approved for a loan.

Getting Pre-approved

To find out just how big of a loan you can qualify for, fill out our online 1 minute VA Loan form

1 minute VA Loan form
. It is 100% free, quick, secure and has no strings attached. Getting pre-qualified for a VA Loan has never been easier!

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