The best mortgage in America — and you have earned it.
Apply for a VA Loans →VA loans are guaranteed by the U.S. Department of Veterans Affairs as a thank-you benefit for military service. They offer unbeatable terms — including the ability to buy a home with $0 down and no monthly mortgage insurance. If you are eligible, a VA loan is almost always the best loan you can get.
Buy a home with literally nothing down. The VA guarantees a portion of the loan, so lenders do not require down payments.
Unlike FHA or low-down-payment conventional loans, VA loans never charge monthly MI. Saves you hundreds per month.
VA rates are typically 0.25–0.5% LOWER than conventional rates because of the government guarantee.
No official VA minimum credit score. Most lenders set their own at 580–620, more forgiving than conventional.
When rates drop, the VA IRRRL refinance lets you lower your rate with minimal paperwork and no appraisal required.
You can use VA loan benefits more than once. Sell your VA-financed home and buy another with a new VA loan.
If you are eligible, VA is almost always the right loan. The only exceptions: when seller pays your closing costs and a conventional loan with seller credits ends up cheaper, or for investment properties (VA loans are owner-occupied only).
Every situation is unique. The fastest way to know if this is the right loan for you is to talk to a licensed Divito Lending advisor — we will look at your full picture and recommend the loan type that actually fits.
Eligibility includes: 90+ days active duty during wartime, 181+ days during peacetime, 6+ years National Guard/Reserves, or eligible surviving spouses. We will pull your Certificate of Eligibility (COE) for you at no charge.
Unlimited times, as long as you pay off the previous VA loan or sell the property. You can also have TWO VA loans active at once in some circumstances (like a job relocation).
It is a one-time fee (1.25%–3.3% of loan amount) that goes to the VA to keep the program funded. It is waived entirely for disabled veterans receiving compensation. For everyone else, it is rolled into the loan amount.
No — VA loans are for primary residences only. You must occupy the home within 60 days of closing. After living there for 1+ year, you can rent it out and use your VA benefit on a new home.
Get pre-approved in minutes with no credit pull, or schedule a no-pressure conversation with a licensed Florida mortgage advisor.