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.
Disclaimer: For zero down payment programs, closing costs, prepaid items and escrows are still required and may be paid by the borrower, seller or other permitted sources. Subject to credit approval, income and asset verification, property eligibility and specific program guidelines (including service, income and location requirements, where applicable). Not all borrowers or properties will qualify.
What our Clients say
Trusted by families across the Treasure Coast.
I wanted to take a moment to thank Tim Serrat and the Contour Mortgage Team for the excellent job they did leading to purchase of my new home in Satellite Beach. Tim did an outstanding job from day one. He got me the best finance rate, explained the entire process and walked me through every step of the way. Everything happened exactly like he promised with no surprises. Tim was super responsive answering calls and clarifying any questions. To top it off he connected me with the home insurance company that ended up providing the best quote and coverage I could find. I highly recommend Tim Serrat and Contour Mortgage to anyone looking to finance or re-finance their home.
From the very first meeting with Tim I could tell he truly listened and cared about my situation he made the whole process of applying for a mortgage seem pretty easy even though I’m a single mom and the last time I bought a house was 10 years ago! Everybody at Contour mortgage is kind and helpful so glad I trusted first Scott and Janice Reynolds to even believe it was possible and then Tim made it a reality!!! Thank you to Sarah my realtor she’s a sweetheart looking at houses can be exhausting but we did it together smiling even laughing sometimes at the process of trying to find the right house for me. I highly recommend Contour Mortgage excellent team!!
I recently relocated from New York to purchase a home in Vero Beach, and Tim Serratt from Contour Mortgage came highly recommended. I’m so glad I was connected with him — he was absolutely fantastic to work with from start to finish.
Tim has a calm, reassuring demeanor that immediately put me at ease. He is incredibly knowledgeable and walked me through every step of the mortgage process with patience and clarity. Buying a home from out of state can be stressful, but Tim truly held my hand throughout the entire journey and made everything feel manageable.
If you’re looking to purchase a home in Florida and want a mortgage professional who is both skilled and genuinely supportive, I highly recommend working with Tim.