VA LOANS

An Extraordinary & Well-Earned Lifetime Benefit for Military Members, Veterans & Their Families

“I want to help every service member and veteran take full advantage of the extraordinary VA Loan benefits they’ve earned.
Serving those who serve our country is our honor. We’re always ready to lend our expertise to help you use those benefits to purchase or refinance a home.”

Steve Carter | Jacksonville’s Mortgage Expert

My situation called for a 2nd VA loan. Steve’s team was very helpful in gathering the required documentation and provided all information that I requested for my purchase. I have no reservations contacting Steve for my future mortgage needs. I noticed that he ensures that all questions and concerns are addressed in a timely manor either personally or with his excellent office staff.
Zillow Review

WE STAND READY TO HELP YOU NAVIGATE THE VA HOME LOAN PROCESS
WE’VE HELPED COUNTLESS MILITARY FAMILIES BUY AND REFINANCE THEIR HOMES
Frequently, we’ve found many service members and veterans confused about the VA Loan process. Enough so, that they explore other home buying options. Unfortunately, they could be doing themselves a huge financial disservice by not taking advantage of the wealth of benefits provided by the VA Loan program.

We’re ready to lend our expertise and help you enjoy this extraordinary opportunity you’ve earned. We’ll find loan terms best suited for your situation, not just for today, but tomorrow as well. Plus we’ll educate and guide you throughout the process.

It will be our honor to serve you.

4 VA Home Loan Advantages
NO DOWN PAYMENT
No need to save money for years to make a down payment. Plus, all costs can be included in the new loan or interest rates can be adjusted so lender pays the costs.
BENEFITS FOR LIFE
You’ve earned VA Home Loan benefits for life, even if you’ve previously used them. We can help you “restore” your benefits to purchase another home with a VA Loan.
CASH OUT YOUR EQUITY
Use the value you’ve earned in your home to pay off debts, fund school tuition or make home improvements. We could also help you refinance a non-VA loan into a VA Loan.
NOT JUST FOR HOMES, CONDOS ELIGIBLE TOO
If you’ve got an eye on a condominium in a VA-approved community, we can help you buy it.
VA Loan Eligibility
To qualify for a VA Loan, you need to be:
AN ACTIVE DUTY SERVICE MEMBER
With at least 90 days of service.
A VETERAN
With at least 90 days of active duty service during wartime or at least 181 days of active duty service during peacetime.
A NATIONAL GUARD & RESERVE MEMBER
With at least 6 years of service.
A SURVIVING SPOUSE
Spouse of a veteran who died during service or from a service-related disability and is not remarried or a spouse of a service member missing in action or a prisoner of war and is not remarried.

We Can Help You Get that Mortgage

WE'RE A LOCAL
DIRECT LENDER

We’re not a broker. We offer home loan options—many not available at other banks—at competitive rates. We control your application entirely in-house and can move it quickly to closing while personally managing any bumps encountered along the way.

DECADES
OF EXPERIENCE

We know the lending process and can head off most challenges before they become showstoppers. Plus we can make sure you’re a preapproved homebuyer fully armed with tips on getting a home price that may save you thousands of dollars.

WE'RE NOT A CALL CENTER OR AN APP

You have our personal attention from your first call. We listen to learn what you want, when you want it and how. That’s how we find the right lending solution that may give you a Financial Advantage Today and Tomorrow.

we can help you purchase, refinance or Cash out

Primary Residence | Second Home | Investment Property | Condo Construction

types of MORTGAGES
WE CAN HELP YOU OBTAIN

VA | FHA | USDA | Conventional | Non-Conventional

Let’s Start Your Home Loan Today!

(904) 379-4748

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