Are you a veteran or active duty service member looking to purchase a home in Jacksonville? Have you considered the benefits of a VA Loan, which offers favorable terms and conditions tailored specifically for military personnel and their families? Working with a VA Certified Realtor in Jacksonville? Discover how a VA Loan can make homeownership more accessible and affordable for you in the vibrant and growing community of Jacksonville.
Are you looking to relocate to Jacksonville, FL or find a new home in this thriving city? With its warm climate, vibrant culture, and numerous amenities, Jacksonville is an ideal place to settle down. For military families, the presence of significant military bases like Naval Air Station Jacksonville and Naval Station Mayport adds to the city’s appeal, providing a strong sense of community and support. Whether you’re in the military or simply seeking a new adventure, Jacksonville offers a perfect blend of suburban charm and urban convenience.
United We Stand
Serving those who Served
United we stand in serving those who served, and those serving in the Jacksonville, FL area. The VA Loan program is dedicated to honoring veterans and active duty service members by providing them with accessible and affordable home financing options. With benefits such as no down payment, competitive interest rates, and no private mortgage insurance, VA Loans empower our heroes to achieve their dream of homeownership. We are committed to supporting the brave individuals who have selflessly served our country, ensuring they receive the financial assistance they deserve.
The Jacksonville VA Loan Experience
Exclusive VA Benefits: Maximize your loan with exclusive benefits such as no lender fees, no down payment, higher loan value, closing cost limits, no private mortgage insurance (PMI), no penalty fees for early payoffs, and more.
Eligibility & Qualifications: Once you obtain your Certificate of Eligibility, you can begin the process of building or buying your next home. Veterans with any discharge status other than dishonorable may qualify for a VA loan.
Customized Solutions: Our VA loan options are tailored to meet your unique needs. We offer VA-specific loans, including fixed and adjustable-rate mortgages, jumbo loans, renovation loans, and refinance loans.
Simple Process: Our award-winning online application process captures all the information needed to qualify you, make a loan recommendation, and deliver an estimate, ensuring a seamless and efficient experience.
VA Loan Benefits
It is our honor to waive lender fees on VA loans for eligible veterans, active-duty service members, and their spouses. This exclusive benefit is our way of giving back to those who have dedicated themselves to serving our country. Our VA loan program offers additional advantages such as:
- no down payment,
- flexible borrowing terms, and
- the elimination of private mortgage insurance (PMI).
These benefits are designed to make homeownership more accessible and affordable for our heroes and their families.
Get approved for your VA loan - Today
Jacksonville, FL, highlighted by the Jacksonville Business Journal as one of Florida’s premier in-migration markets, boasts a prime location along the picturesque St. Johns River in the First Coast region. With pristine beach communities just minutes away along the Atlantic Ocean, it’s no wonder the local real estate market is thriving. For veterans seeking a VA Home Loan from a trusted VA Mortgage Lender in Jacksonville, this city offers an ideal setting. VA Home Loans, designed for active service members, select military spouses, and veterans, provide the opportunity to purchase homes without the need for down payments or stringent credit requirements. In Jacksonville, where real estate continues to be a lucrative investment, a VA Home Loan is an excellent choice for those looking to establish roots in this vibrant Florida city.
VA Loan Credit Score Requirement
When considering a VA Loan, there is no minimum credit score requirement—an advantageous feature of this financing option. While a higher credit score is beneficial and many lenders prefer to see scores around 620 or higher, it is not a strict requirement. It’s important to note that a VA Loan does not entail purchasing a house directly through the VA itself. The VA does not provide loans, set credit score minimums, mandate down payments, or charge interest. Instead, private mortgage lenders, such as Hero Loan, manage these aspects of the loan process, ensuring veterans and active-duty service members can access flexible and affordable home financing solutions.
Choosing the Best VA Loan & Mortgage Lender in Jacksonville, FL
When selecting the best VA Loan and mortgage lender in Jacksonville, FL, Florida Dream Home Loans stands out as the premier choice. Specializing in VA Loans tailored for veterans and active-duty service members, Florida Dream Home Loans offers expertise and personalized service to guide clients through every step of the home buying process. With a commitment to transparency, competitive rates, and comprehensive support, they ensure veterans can access the benefits of VA Loans with ease. Whether securing a first-time home purchase or refinancing an existing mortgage, Florida Dream Home Loans delivers trusted solutions that prioritize the unique needs of military personnel and their families in Jacksonville and beyond.
Welcome to Our Jacksonville, FL VA Loan Community
Best VA Mortgage Lender in Jacksonville
- (863) 225-1125
- [email protected]
- serving surrounding areas of Jacksonville, FL
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Mon. - Fri.: 8 a.m. - 7 p.m.
Saturdays: 10 a.m. - 5 p.m.
The Veterans Administration (VA) Loan program was established in 1944 through the Servicemen’s Readjustment Act, commonly known as the GI Bill. Signed into law by President Franklin D. Roosevelt, this program was designed to provide veterans with federally-guaranteed home loans with (zero) no down payment requirement. VA loans are issued by private lenders such as banks, savings and loans institutions, and mortgage companies to eligible veterans for the purpose of purchasing a primary residence. These loans offer protection to lenders against loss in the event of a loan default, ensuring a secure option for both borrowers and lenders.
Wartime/Conflict Veterans
- Veterans who were NOT Dishonorably Discharged, and served at least 90 days
- World War II – September 16, 1940 to July 25, 1947
- Korean Conflict – June 27, 1950 to January 31, 1955
- Vietnam Era – August 5, 1964 to May 7, 1975
- Persian Gulf War – Check with the Veterans Administration Office
- Afghanistan & Iraq – Check with the Veterans Administration Office
- Veterans Administration website www.va.gov
Peacetime Service
At least 181 days of continuous active duty with no dishonorable discharge. If you were discharged earlier due to a service-related disability you should contact your Regional VA Office for eligibility verification.
- July 26, 1947 to June 26, 1950
- February 1, 1955 to August 4, 1964, or May 8, 1975 to September 7, 1980 (Enlisted), or to October 16, 1981 (Officer)
- Enlisted Veterans whose service began after September 7, 1980, or officers who service began after October 16, 1981, must have completed 24-months of continuous active duty and been honorably discharged
Reserves and National Guard
- Certain U.S. Citizens who served in the Armed Forces of a government allied with the United States during World War II.
- Surviving spouse of an eligible Veteran who died resulting from service, and has not remarried.
- The spouse of an Armed Forces member who served Active Duty, and was listed as a POW or MIA for more than 90-days.
A VA home loan must be used to finance your personal residence within the United States and its territories. Using a VA Home Loan in Jacksonville is a great choice, you have options for the type of home you purchase:
- Existing Single-Family Home
- Townhouse or Condominium in a VA-Approved Project
- New Construction Residence
- Manufactured Home or Lot
- Home Refinances and Certain Types of Home Improvements
The major portion of up-front expenses in a home purchase includes the initial escrow deposit work with your local VA Jacksonville Realtor at the time of the purchase offer and the remaining cash down payment made at closing. Additional costs may encompass:
Inspections: Lenders often require inspections, and you may choose to make your purchase offer contingent upon satisfactory completion of inspections such as structural, water quality tests, septic, termite, roof, and radon tests. The fees for these inspections can be negotiated between you and the seller.
Owner’s Title Insurance: Purchasing title insurance can protect you against unforeseen issues, ensuring you are not left owing a mortgage on a property you no longer own. A thorough title search will ensure a clear title.
Appraisal Fees: You might hire an appraiser either before signing a purchase offer or after reviewing the lender’s appraisal report.
Payments to the Seller: Additional payments may be necessary for items not included in the purchase offer, such as appliances, light fixtures, drapes, lawn equipment or furniture, or even toys such as ATV, Jetski, or Boat.
Moving Expenses: If your new employer does not cover relocation costs, you must account for moving expenses, including truck rentals, professional movers, and utility deposits for services like telephone, cable, and electricity.
Escrow Account Funds: You can request that the seller set up an escrow account to cover major cleanup costs, radon mitigation, house painting, appliance repairs, etc. Depending on the purchase offer contract and contingency clauses, you might incur additional expenses upon moving in.
For example, if your purchase offer includes a clause contingent on a satisfactory structural inspection and it is determined that the house needs a new roof, you can negotiate with the seller to arrange for the work. This may delay the closing date and result in agreeing to a higher house price or sharing the repair costs. Alternatively, the seller may reduce the sale price to offset the roof expense, but either way, cash will be needed for the new roof.
Time Investment: Often overlooked are the significant time and expenses involved in house-hunting, It can take time working with your local VA Jacksonville Realtor, which can take several months to find your Dream Home, as well as the time spent searching for other related moving services.
Yes, your eligibility for a VA Loan can be reused under certain circumstances. If you have paid off your prior VA Loan and sold the property, your eligibility can be restored. Additionally, on a one-time basis, you can have your eligibility restored if your prior VA Loan has been paid off, even if you still own the property. In either case, you must send a completed VA Form 16-1880 to the VA Eligibility Center. To prevent delays in processing, it is advisable to include evidence that the prior loan has been fully paid off and, if applicable, that the property was sold. This can be done by submitting a paid-in-full statement from the former lender or a copy of the HUD-1 settlement statement.
- 100% Financing & No Down Payment Loans
- No Private Mortgage (PMI)
- No Penalties for Prepaying the Loan
- Competitive Interest Rates
- Qualification is Easier than a Conventional Loan
- Sellers Pay Some of the Closing Costs
- Can be combined with additional down payment assistance to reduce closing costs
Jacksonville, Florida boasts a variety of attractive suburban areas, each offering unique amenities and lifestyles. Some of the most popular suburban neighborhoods include:
1. Mandarin: Known for its scenic river views, historic charm, and top-rated schools, Mandarin offers a family-friendly environment with numerous parks and recreational facilities.
2. San Marco: This historic neighborhood features beautiful architecture, trendy boutiques, and a vibrant dining scene. It is well-regarded for its sense of community and cultural activities.
3. Riverside/Avondale: These adjacent areas are celebrated for their historic homes, tree-lined streets, and eclectic mix of shops and restaurants. They provide a blend of urban and suburban living.
4. Southside: A rapidly growing area with diverse housing options, Southside is close to major shopping centers, corporate offices, and entertainment venues, making it ideal for professionals and families alike.
5. Julington Creek Plantation: Located in St. Johns County, this planned community offers excellent schools, a wealth of recreational amenities, and a strong sense of community.
6. Orange Park: Situated in Clay County, Orange Park is known for its affordability, good schools, and proximity to NAS Jacksonville, making it a popular choice for military families.
7. Ponte Vedra Beach: Although technically part of St. Johns County, Ponte Vedra Beach is often considered a suburb of Jacksonville. It is famous for its luxury homes, golf courses, and pristine beaches.
8. Nocatee: Another master-planned community in St. Johns County, Nocatee offers modern amenities, extensive recreational facilities, and a variety of housing options catering to families and retirees.
These suburban areas provide diverse living environments, ensuring that there is something to suit every lifestyle and preference in the greater Jacksonville area.
Jacksonville, FL, is home to several military communities that provide support, camaraderie, and resources for service members and their families. Some of the key military communities in Jacksonville include:
1. Naval Air Station (NAS) Jacksonville, FL: One of the largest and oldest military bases in the area, NAS Jacksonville is a major hub for naval aviation. The base offers a variety of amenities, including housing, medical facilities, recreational activities, and educational programs for military families.
2. Naval Station Mayport in Jacksonville, FL: Located near the mouth of the St. Johns River, Naval Station Mayport is a strategic base for the U.S. Navy. It is home to a significant number of ships and aircraft and provides a wide range of services, including family housing, fitness centers, and community events.
3. Blount Island Command in Jacksonville, FL: As a critical Marine Corps Logistics Base, Blount Island Command supports the rapid deployment of troops and equipment. It offers various support services for Marines and their families, including housing assistance and recreational facilities.
4. Kings Bay Submarine Base in Jacksonville, FL: While technically located in nearby Georgia, Kings Bay Submarine Base is close to Jacksonville and serves as the homeport for the Atlantic Fleet’s Trident submarines. The base provides extensive services and amenities for Navy personnel and their families.
5. Mayport Housing in Jacksonville, FL: Military housing communities like Bennett Shores East and West, Ribault Bay Village, and Marsh Cove offer convenient and comfortable living options for service members stationed at Naval Station Mayport. These communities provide access to schools, parks, and family support services.
6. Yellow Bluff Landing in Jacksonville, FL: Located near the Jacksonville International Airport, Yellow Bluff Landing is a popular residential area for military families due to its proximity to both NAS Jacksonville and Naval Station Mayport. The community features a variety of housing options, recreational amenities, and family-friendly activities.
These military communities in Jacksonville, FL offer a supportive environment for service members and their families, fostering a sense of belonging and providing essential resources to enhance their quality of life, we can assist you in securing your Home with a VA Loan in the Jacksonville area.
