VA Loan St. Pete Beach Florida

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VA Loan St. Pete Beach Florida

CambridgeHomeLoan.com is #1 VA Loan lender in St. Pete Beach Florida. We have gained our reputation as the nations #1 VA Loan lender because we know how critical each day is in the competitive St. Pete Beach Florida real estate market. We are serving all of St. Pete Beach zip-codes including zip codes 33706, 33707, 33736, 33741 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 St. Pete Beach 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 St. Pete Beach 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 St. Pete Beach, 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.
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Loans Custom Built for Real Estate Investors

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The nations #1 Lender for Fix and Flip and Fix To Rent Investment Loans
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About St. Pete Beach Florida

Before becoming its own town, St. Pete Beach was a part of Long Key, the name given for the entire barrier island before 1957. At this time a very controversial vote was taken and narrowly concluded with Long Key being divided into 4 towns, one being St. Pete Beach. Though on the official ballot was to name the town St. Petersburg Beach, after the beautiful inland town of St. Petersburg, many gave insight that the full name would be too long on insurance and would often be confused with the city of St. Petersburg itself. Today, no one could imagine the Tampa Bay area without the beautiful town of St. Pete Beach. 

Calm gulf waters, gorgeous views, and tons of amazing restaurants, cafes, and bars what attracts everyone to the town of St. Pete Beach. Along with this, locals are proud of the consistent title of best beach in the United States, while being named number 5 beach in the whole world. St. Pete Beach gives access to many outdoor recreation opportunities with its water access and numerous amounts of parks and preservations. Local public school districts are also ranked at the top within the entire state of Florida. St. Pete Beach has everything anyone could want, making it the perfect location to reside in.  

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