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.