VA
Zero down for those who served
The VA loan is the strongest benefit in American home finance: no down payment, no monthly mortgage insurance, and competitive pricing — earned through military service. If you or your spouse served, this is almost always the first program worth checking.
This tends to fit you if…
- You're active duty, a veteran, or in the National Guard or Reserves with qualifying service
- You're an eligible surviving spouse
- You want to buy with little or nothing down and keep your savings intact
- You're buying a primary residence in Florida
Good to know
- The VA funding fee (a one-time cost that can roll into the loan) replaces monthly mortgage insurance; disabled veterans are often exempt.
- VA loans are reusable — using the benefit before doesn't mean you've spent it.
- Sellers sometimes wrongly assume VA offers are slow or fragile. A well-prepared file with an experienced team closes on schedule — that's my job.
How it works with me
- 01
Certificate of Eligibility
I help you pull your COE — the document that proves your entitlement. It usually takes minutes, not weeks.
- 02
Full-benefit pricing
I shop VA-experienced lenders who price the benefit properly and know how to move VA files fast.
- 03
Close with savings intact
Zero down and negotiable costs mean you keep your reserves for the house itself.
Quick answers
I already used my VA loan once. Can I use it again?
Very likely yes. Entitlement restores when you sell and pay off the prior VA loan, and partial entitlement can even allow a second VA loan while keeping the first. We'll check your exact numbers.
Is zero down really zero down?
For the down payment, yes. You'll still see standard closing costs, though some can be negotiated to the seller or rolled in — I'll map the true cash-to-close before you write an offer.
Next step
Not sure this is the one? That's my job, not yours.
Fifteen minutes on the phone and I'll tell you which program actually fits your file — and what it takes to qualify.
The next step
15 minutes with Ingrid beats a week of googling.
No obligation, no pressure. Tell her where you are — she'll tell you exactly what's possible and what happens next.