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VA Loan Safety Harbor Florida
VA Loan Ponce Inlet Florida
CambridgeHomeLoan.com is #1 VA Loan lender in Safety Harbor Florida. We have gained our reputation as the nations #1 VA Loan lender because we know how critical each day is in the competitive Safety Harbor Florida real estate market. We are serving all of Safety Harbor zip-codes including zip codes 33761, 34695 and throughout Florida, Maryland and 47 other US states.
What Is A VA Loan?
A VA loan (Veterans Administration) 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 much easier to qualify, no down payment required and low closing costs.
How Does A VA Home Loan Work in Safety Harbor Florida?
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.
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What are the VA Home Loan Requirements?
To get a VA loan in Safety Harbor 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 Safety Harbor, 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
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 Safety Harbor Florida VA Loan, we are offering following loans in 47 states as well:
About Safety Harbor Florida
Safety Harbor, located right on the Tampa Bay, has an elaborate history. Local legends tells the tale that Safety Harbor got its name due to its shallow waters not allowing the aggressive pirates to follow the smaller ships to shore, giving them safety in the harbor from attacks. Though inhabited since the stone age, the area was originally settled by Spanish explorers, and then officially incorporated into the United States of America in 1917. The town of Safety Harbor holds many historic landmarks, including the Safety Harbor Resort and Spa, which is recognized by the state and federal government as a heritage landmark.
Today, Safety Harbor is also known for being a great area with a multitude of restaurants, cafes, shops, boutiques, and bars. The area, being located right on gulf-coast waters, also has beautiful views with a ton of outdoor parks, preservations, and recreation opportunities. All this combined with the high-rated public school system makes Safety Harbor a great town to reside in.
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