VA Loan Panama City Florida

VA Loan Panama City Florida

How Does A VA Home Loan Work in Panama City Florida? is #1 VA Loan lender in Panama City Florida. We have gained our reputation as the nations #1 VA Loan lender because we know how critical each day is in the competitive Panama City Florida real estate market. We are serving all of Apalchicola zip-codes including zip codes 32401,32402,32404,32405,32406,32412 and throughout Florida, Maryland and 47 other US states.

VA home loans are non-conventional home loans. Since the VA loans are government-insured they do not have the conventional mortgage underwriting guidelines that you get from conventional banks.

The VA Loan are easy to get since the banks assume less risk than conventional loans. This means that the U.S department of veterans affairs undertakes to repay a part of the loan to the lender if you are unable to make payments or if you face foreclosure.

VA Home Loan Panama City Florida

VA Loan Tampa


What Is A VA Loan?

A VA loan is a home loan offered by private lenders and guaranteed by the U.S department of veterans’ affairs. It enables U.S veterans, the active-duty service members, widowed service members’ spouses Veterans and national guard to buy a home. VA loans were introduced as part of the GI Bill in 1944 to help the veterans, and they have become popular over time. In early 2019, 8% of homes were acquired using a VA loan. This loan type has become increasingly popular because it is easy to qualify with no down payment required and low closing costs.

What are the VA Home Loan Requirements?

To get a VA loan in Panama City Florida, you must be military personnel and meet the VA’s specific service needs. For you to be eligible, you must fall in any of the following three categories:

  • You are an active-duty service member or an honorably discharged veteran who has 90 consecutive days of active service during wartime or 181 days of active service during peacetime.
  • You have served more than six years in the National Guard or the Selected Reserve.
  • You are the spouse of a service member who died in the line of duty.

When applying for a VA loan in Panama City, you need to get a Certificate of Eligibility “COE” or you can provide us with your DD-214 and we will order your COE for you. The COE lets us, the lender know what you qualify for. 

Key benefits of VA Home Loan that we provide

  • Eligible homebuyers are not required to have a down payment in most cases – typically cited as the greatest benefit of a VA Home Loan
  • No monthly mortgage insurance premiums or PMI to pay.
  • Lower average interest rates than other loan types.
  • No prepayment penalties.
  • Limitation on buyers’ closing costs.

Loans Custom Built for Real Estate Investors

Whether you buy and hold, fix and flip, or build to rent, has the capital for your investment needs
The nations #1 Lender for Fix and Flip and Fix To Rent Investment Loans
Fix & Flip Loans 90% LTC and up to 100% of fix up costs.

Not just a Panama City VA Loan, we are offering the following loans as well:

Fix To Rent Home Loans

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 5yr, 7, 10 and 30 year terms

      • Up to 90% of cost

    • Up to 100% of rehab

    • Up to 75% of completed value

    • $70,000 – $100 million

Fix To Flip Home Loans

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 12 To 24 month terms

      • Up to 90% of cost

    • Up to 100% of rehab

    • Up to 75% of completed value

    • $100,000 – $100 million

Multi Family /
Commercial Real Estate

      • 1-50+ properties

      • Multifamily, condos, student housing, 
      • mixed use w/ majority residential

      • 12, 24 mo., 5,10,30,40 year terms

      • Up to 100% of cost

    • $1M – $50M

      • Bridge, Construction, Permanent, Refi.

About Panama City Florida

Introduction to Panama City, Florida

Panama City is situated on St. Andrews Bay along the Florida Panhandle in Bay County. The municipality is the county’s center for business, culture, and education. Tyndall Air Field Base and Coastal Systems Station are primary factors for the economy. It contains a few large marinas. The popular tourist location, Panama City Beach is nearby. The town is somewhat unspoiled by the crowds of tourists who vacation at the beaches along the Emerald Coast. The hotels in Panama City are about 15 to 30 minutes away from the beach area.


Saint Andrews State Park is located across the bay and features coastal dunes, forest areas, nature trails, wetlands and an undeveloped island. Camping, boating, fishing, crabbing and hiking are popular in the park. Wildlife viewing tours are available which take visitors into the marshlands and creeks. Golf enthusiasts can enjoy the numerous scenic golf courses. The Bay Point Yacht & Golf Club is one of the prominent locations to play golf in Florida. The clear ocean water provides excellent opportunities for scuba diving and snorkeling on the nearby reefs.

Salt water fishing is popular and charter boats are available. Glass-bottom boat excursions provide opportunities for viewing the ocean’s wildlife. Excellent Nature trails are available for hikers and bicycle riders. The tourist destination, Panama City Beach incldudes beautiful beach areas, amusement parks, including Cobra Adventure Park and plenty of cafes, restaurants and gift shops. Shipwreck Island Water Park and Water World are nearby. There are numerous notable state parks including Pine Log State Forest. The Indian Summer Festival is a prominent event and the Iron Man Florida Triathlon takes place in the area.


Panama City has numerous art galleries, excellent restaurants and plenty of places for shopping, including the Panama City Mall. Museum of Man in the Sea is a noteworthy attraction. The Panhandle Pioneer Settlement showcases historic structures including several of the pioneer’s log cabins. Visual Arts Center of Northwest Florida features the artwork of local, regional as well as national artists. The Martin Theatre provides plays and a variety of events.

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