You earned this benefit. A VA loan is the strongest financing available to any buyer in Florida — 100% financing, no private mortgage insurance for the life of the loan, and rates backed by the Department of Veterans Affairs. I handle your file personally from pre-approval to closing.
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For an eligible veteran or active-duty service member, there is usually no better loan available in Florida. Here is what makes it different.
VA loans allow 100% financing. You are not required to put money down, which is the single biggest barrier most buyers face.
FHA charges MIP for the life of most loans. Conventional charges PMI until you reach 20% equity. VA charges neither, ever.
Because the VA guarantees a portion of the loan, lenders price these aggressively. I shop 100+ lenders to find the best one for your file.
Your VA entitlement is not a one-time thing. It can be restored and used again, and in some cases used for more than one property at a time.
The VA funding fee is waived entirely for veterans receiving compensation for a service-connected disability.
VA guidelines are more forgiving on credit history and debt-to-income than most conventional programs.
You may be eligible if you fall into any of these categories. Not sure? Call me at 813-696-1271 and I will check your Certificate of Eligibility — it usually takes a few minutes.
90+ consecutive days of active service during wartime
181+ continuous days of active service during peacetime
Currently serving with 90+ continuous days
Generally six years of service, or 90+ days of active duty
Un-remarried spouses of service members who died in the line of duty or from a service-connected disability
Entitlement can often be restored or partially reused — worth a call to check
This page covers the program itself. For what the VA loan looks like in a specific market — limits, inventory, and the quirks of buying there — start with the page for your area.
Wesley Chapel, Land O Lakes, New Port Richey, Lutz and Zephyrhills. One of the fastest-growing counties in Florida and a strong VA market.
For active-duty service members stationed at MacDill and families buying in South Tampa and the surrounding area.
Down payment and closing cost assistance for eligible Florida workers. Worth checking whether it can be paired with your purchase.
No call centers and no handoffs. You work with me directly at every step.
I pull your Certificate of Eligibility, review your credit and income, and issue a pre-approval letter. This is what you need before making offers.
Shop with confidence. Your pre-approval tells sellers you are serious, and I am available when you need numbers on a specific property.
I order the VA appraisal and manage underwriting. I pay for your appraisal up to $600.
I attend every closing. If anything looks wrong on the final numbers, I want to be in the room.
No cost, no commitment, no hard sell. A short call gets you a clear answer on what you qualify for.
Raymond J Rivera JR · NMLS #2639249 · Land O Lakes, FL · Hoot Home Loans LLC NMLS #2532931