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VA Home loans & mortgages

Guaranteed by the U.S. Department of Veteran Affairs (VA), a VA Loan is a mortgage loan that is only issued by approved lenders, like Florida Loan Experts, and then guaranteed through the VA. VA Loans enable veterans to purchase homes without requiring down payments or excellent credit scores.

The Florida VA loan program is more important than ever, as other lenders have tightened their lending requirements following the collapse of the national market in 2008. During that time, VA Loans became a critical lifeline for military homebuyers, many of whom were shut out of the buying process with insurmountable credit standards and lofty down payment requirements. Like any Florida home loan today, VA Loans come with a significant amount of details and specific information that needs be to reviewed carefully. Here at Florida Loan Experts, work hard to provide you with all the information and resources you need to file for a VA Loan.

MORE PERSONALIZED SERVICE FOR OUR VETERANS

Our team of Florida VA Loan Specialists go out of their way to create a personalized VA home loan experience for our Florida veterans. We will meet with you face to face, in your home, on base, at work, or wherever you like. It’s important for us to get to know you, so we can tailor your VA loan to your specific needs.

WE DO THE HEAVY LIFTING ON VA LOANS
Qualifying for a VA home loan requires several steps, starting with the VA’s Certificate of Eligibility. Through the Florida Loan Experts VA loan program, our team lightens your load by helping with every step of the VA loan process. We start by getting your VA Loan Certificate of Eligibility and we do all the VA paperwork for you!

YOU SAVE TIME ON VA LOAN PAPERWORK
We are a direct-endorsed VA Home Loan Lender. That means much quicker turnaround times for you. While most lenders take up to 120 days to complete a VA loan, we can close in as little as 14 days. Imagine it: you in your new Florida home in just two weeks.
 
YOU SAVE MONEY: NO OUT-OF-POCKET COSTS EVER

We underwrite all our VA home loans in house. That means lower mortgage rates for you and no upfront or out of pocket costs—that includes the appraisal. When you work with Paula Bonnafant, there are never appraisal fees, or any other out of pocket costs.

As a direct mortgage lender, Florida Loan Experts streamlines the process from start to finish. Having the entire mortgage loan process contained under one roof allows us to quickly and efficiently close your loan- in as little as 14-days. Using the newest mortgage & home loan products and underwriting our own files allows us to approve loans & get mortgage rates that other lenders can’t.  Paula Bonnafant works hard to make it easy on you! Apply now or call to get started on your home loan process!

Mortgage Teams

  • Paula Bonnafant
    NMLS #858645

The Home Loan Expert, LLC NMLS#1326241