Primary residence · Florida

VA loans

A benefit earned through service: zero down payment, no monthly mortgage insurance, and competitive terms for eligible veterans, service members, and surviving spouses.

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Zero down payment · No monthly PMI · For those who served

Veteran and family in front of their new home

Who this fits

Is a VA loan
right for you?

A VA loan is a benefit earned through service, guaranteed by the Department of Veterans Affairs. If most of these sound like you, it is worth a conversation.

You are an eligible veteran, active-duty service member, or surviving spouse.
You are buying or refinancing a home you will live in, in Florida.
You want to buy with little or no money down.
You would rather avoid monthly mortgage insurance.
You have a Certificate of Eligibility, or want help confirming your eligibility.

At a glance

Key parameters

The shape of the program in plain terms. Exact numbers depend on the lender and your eligibility.

Loan type

A mortgage guaranteed by the U.S. Department of Veterans Affairs, originated through a VA-approved lender.

Eligibility

For eligible veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses. Confirmed by a Certificate of Eligibility.

Down payment

Zero down payment is available for eligible borrowers on qualifying purchases.

Mortgage insurance

No monthly mortgage insurance. A one-time VA funding fee may apply and can often be financed. Some borrowers are exempt.

Occupancy

Primary residence only.

Loan purpose

Purchase, rate-and-term refinance, or VA interest rate reduction refinance (IRRRL) where eligible.

Where available

Owner-occupied home loans are available in Florida. See licensing and where we lend.

Page owner: MaryAnn Sigurdson, NMLS #2371921

How a VA loan comes together

Talk it through

Your service history, your goals, and the home you have in mind. No paperwork required to start.

Confirm eligibility

MaryAnn helps you obtain or verify your Certificate of Eligibility and reviews your options.

Get pre-approved

A clear pre-approval and a plain explanation of the funding fee and your costs, before you commit.

Close on schedule

She coordinates lender, title, and agent so closing day is the easiest step, not the hardest.

Questions

VA loans, answered

The questions veterans ask most about VA loans. Anything else, just call or text.

What is a VA loan?

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs and originated through a VA-approved lender. It offers eligible veterans and service members benefits like zero down payment and no monthly mortgage insurance.

Who is eligible for a VA loan?

Eligibility generally extends to qualifying veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses. Eligibility is confirmed by a Certificate of Eligibility, and MaryAnn can help you obtain one.

Do VA loans really require no down payment?

For eligible borrowers on qualifying purchases, VA loans can be financed with no down payment. MaryAnn will confirm what applies to your situation.

Is there mortgage insurance on a VA loan?

VA loans do not carry monthly mortgage insurance. Instead, most loans include a one-time VA funding fee, which can often be financed into the loan. Some borrowers, such as those with a service-connected disability, may be exempt.

What is the VA funding fee?

The VA funding fee is a one-time cost that helps sustain the VA loan program. The amount depends on your circumstances, and some borrowers are exempt. MaryAnn will walk you through it before you commit.

Where are VA loans available?

Home loans for a house you will live in are available in Florida, where Ease Mortgage is licensed. Ask about your situation in the first conversation.

Free consultation and resources

Put your benefit to work.

Call or text MaryAnn directly, or schedule a time that works for you. She will help you confirm eligibility and map out your options.