VA Home Loans
From Morgan Financial

Veteran Owned, Veteran Operated and Veteran Focused.

We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way.

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or call: 321-265-4000

Veteran Owned. Veteran Operated. Veteran Focused.

VA Loan

A VA Loan is a home loan that is guaranteed to Veterans by the United States Department of Veteran Affairs.

Who can qualify for a VA Loan?

Navy

Army

Air Force

Marines

Coast Guard

National Guard

Public Health Officers

Surviving Spouses

Length of service longer than 90 to 180 days

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Benefits of a VA Home Loan

Guaranteed by the Government
As part of a program to help our veterans become homeowners, the Department of Veteran Affairs stands behind VA loans and guarantees that a portion of the loan will be repaid to the lender should you be unable to make your mortgage payments.Because of this, lenders are willing to provide loans with incredibly attractive terms for those who qualify.
Easy to Qualify
Because of the more flexible guidelines regarding income, credit, and documentation, VA loans incredibly accessible for veterans and active duty military.Most active-duty members qualify after around 6 months of service, and some may qualify in as little as 90 days during war periods. Even spouses of military members who passed away during their service may also apply.
No Down Payment
Most loans require at least a small down payment to buy a home, however VA loans are an exception to this rule. VA loans allow for 100 percent financing of the home’s purchase price, which means no down payment is required.

No Private Mortgage Insurance
Mortgage insurance is typical for buyers who put less than 20% down on their home. This protects the lender should the buyer default on their loan for any given reason.
However, VA loans do not require mortgage insurance which makes VA loans incredibly affordable over time.
VA Loans Are Assumable
VA loans are assumable, which means that the loan can be transferred to the next homebuyer should they qualify. This adds significant value to a home, especially in a rising-rate market.
Lower Closing Costs
The VA places limits on what veterans can be charged for closing costs. Because of this, some costs must be covered by other parties in the transaction. In fact, the seller may even cover some of the closing costs as part of the negotiation process.

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What Our Clients Have To Say

”

Morgan Financial and it’s employees went above and beyond other banks to support us. It was obvious from the start that my satisfaction was a priority to them and they exceeded even the high expectations that they set for my loan. I was not just a number to them. I was treated as though I was the most important business venture for them and I appreciated that. They worked late nights and early mornings to get me into my dream home. I would highly recommend this bank to anyone who is willing to listen.

Jonathan W

”

You guys were so awesome. Being a realtor, I've gone through many loan experiences with clients. This has been the best experience...6 days from Application to Clear to Close for a VA loan...that just doesn't happen with any other lender. Your communication was outstanding and such a smooth process. I will highly recommend you to any future clients looking to receive a loan. Thanks again!!

Robin S.