VA loan
Zero down, earned by your service
No down payment, no monthly mortgage insurance and funding fee exemptions for disabled veterans.
The short version.
VA home loans are one of the strongest benefits veterans, active-duty service members and eligible surviving spouses have. With Orlando's large military community near the Naval Air Warfare Center and Patrick Space Force Base commuters, I close VA loans every month.
There is no down payment and no monthly mortgage insurance. Instead there is a one-time funding fee, which is waived entirely for veterans receiving VA disability compensation. I will pull your Certificate of Eligibility for you, usually within minutes.
Often the right fit for
- Veterans and active-duty service members
- Surviving spouses
- PCS moves to Central Florida
What I handle for you.
- Certificate of Eligibility pulled for you
- Funding fee exemption verification
- Residual income calculation explained in plain English
- VA appraisal prep and Tidewater process support
- Remaining entitlement analysis for a second VA loan
- Coordination with your PCS timeline
Eligibility check
I pull your COE and confirm entitlement, including any partially used benefit.
Pre-approval built on residual income
VA focuses on money left over each month, which often helps larger families.
VA appraisal and close
The appraisal checks value and minimum property requirements before we close.
Why borrowers choose it.
$0 down payment
Keep savings for moving costs, furniture and reserves.
No monthly MI
Saves roughly $150 to $250 a month vs FHA on a typical Orlando price (sample).
Reusable benefit
Entitlement can be restored and used again for your next home.
What moves your approval and price.
These are the factors I review first. Every lender adds its own overlays, which is why comparing matters.
| Factor | What to know |
|---|---|
| Service history | 90 days active wartime, 181 days peacetime, or 6 years Guard or Reserve. |
| Residual income | Region and family size set the monthly amount left after debts. |
| Funding fee | Varies by down payment and prior use, exempt with a disability rating. |
| Property | Must meet VA minimum property requirements and be your primary residence. |
VA questions, answered.
Still wondering about something specific? Text or call and you will hear back from Marcus, usually within two hours.
Yes. Once a VA loan is paid off, entitlement is restored. You may even hold two VA loans at once with remaining entitlement.
Veterans with full entitlement have no VA loan limit, though you still need to qualify for the payment.
Yes. Sellers can pay all standard closing costs plus up to 4% in concessions, such as paying off debts or prepaid items.
Related programs.
USDA loan
100% financing in eligible suburban and rural areas, with income limits and low guarantee fees.
Explore USDA
FHA loan
3.5% down with a 580 score, higher debt-to-income flexibility and gift-friendly down payment rules.
Explore FHA
Refinance
Rate-and-term, cash-out, FHA streamline and VA IRRRL options, with a break-even analysis every time.
Explore Refinance
A note from Marcus
Get real answers in twenty minutes.
No credit pull, no pressure. Bring your questions and leave with a clear plan and real numbers.