Why Choose a VA Loan? What Is a VA Loan?
VA loans are a special mortgage benefit available to active duty service members, veterans, and qualifying spouses. Backed by the U.S. Department of Veterans Affairs, VA loans make it easier for those who have served our country to achieve the dream of homeownership with unique advantages specifically for veterans.
With a VA loan, you may qualify for:
- Zero down payment – buy a home with no money down
- No private mortgage insurance (PMI) – save hundreds each month
- Reduced closing costs and fees – VA limits certain costs for veterans
- Competitive interest rates – designed to make payments more affordable
- Flexible qualification requirements – flexible requirements compared to conventional loans
- Refinance options – lower your rate or access home equity through VA refinance programs
Who Is Eligible?
You may qualify for a VA loan if you are:
- An active duty service member
- A veteran
- A surviving spouse of a service member who died in the line of duty or from a service-related disability
Local Expertise, Personal Guidance
Tim and Liz Serratt are honored to serve veterans and military families in Vero Beach and the Treasure Coast. They’ll walk you through your eligibility, explain the process, and help you unlock the benefits you’ve earned through service.
Ready to Use Your VA Benefits?
Your service has earned you this opportunity. Let’s put it to work for your future.
What our Clients say
Trusted by families across the Treasure Coast.
I’ve been working with Tim Serratt since 2017 — from purchasing my home to several refinances — and most recently, he helped get my new loan approved! Even though I’m on the West Coast and he’s on the East Coast, he always makes me feel like I’m his top priority. He’s incredibly responsive, always answers my calls and questions right away, and goes above and beyond to make the process smooth and stress-free.
I truly appreciate his dedication and professionalism. No matter where I am or what kind of loan I need, he’s the only person I trust to handle it. Highly recommend — a true 5-star loan officer!
Cheers to 8 years friendship Tim🥂 and cheers to new chapter of our life in the new house 🏡 🥂
Tim and his team are the best! Would have not been able to close without him. I was working with a different company before him and there was a lack of communication with what was needed to close. Tim came in with a very short time frame and was very clear with what needed to happen for me to close. He made it happen fast and smoothly. Would recommend for everyone looking for a mortgage.
Tim was absolutely amazing figuring our mortgage out. It was such a stressful situation and the first lender denied us literally at the last minute! But Tim kept us calm and reassured us that it was gonna happen. And let me tell you he did it! He pulled a rabbit out of the hat and made some magic happen! I just cannot say enough about how pleased we are with Contour. Tim and his Wife Liz make an excellent team and even followed up with us when this stressful process was all done. You can tell they really care about their clients. We will definitely be only using them in our next mortgage!