THE MORTGAGE LENDER TAMPA TRUSTS FOR
VA LOANS
You're less than 5 minutes away from pre-qualifying for the home of your dreams!
Simple Process.
Honest Communication.
No Hidden Surprises.
Wholesale Rates
We are a hybrid lender with access to Wholesale rates. Unlike mortgage brokers, we keep everything in house from application to closing.
Our processors, underwriters and closers have a clean, efficient and reliable system to make sure your deal closes on time.
Premium Service
With a bank you may be seen as just a number, our clients have access to our team outside of normal business hours and on weekends when you need to reach us or have questions.
Do you want to learn more about VA LOANS?
Check our video overview
Loan Requirements
- No money down to purchase a home
- With a credit score as low as 620 you can still qualify
- Guaranteed low rates
- No mortgage insurance (automatically lower monthly payment)
- Jumbo VA Loans go up to $1,500,000.00
- In some cases, you can get approved immediately following a short sale
- You can get approved just 2 years after a Bankruptcy and Foreclosure
Most Common Questions About VA Loans
If you don’t already have a Certificate of Eligibility (COE), you can get one online by going to your eBenefits portal. Tampa One is an approved VA Loan lender. Our status gives us access to the Web LGY Internet-based system that establishes eligibility and issue an online COE in a matter of seconds. Before you try to get approves yourself, know that not all cases can be processed through Web LGY – only those for which VA has sufficient data in their records.
VA Loans Eligibility Page
Many people are eligible for VA Loans even if they have not personally served in the armed forces. This includes the spouse of a service member who has either died or has a service related disability. Other eligible applicant include, veterans who have served 90 consecutive days during wartime, 181 days during peacetime, more than 6 years in the national guard or reserves or active duty service members.
REQUIRED DOCUMENTS FOR VA LOANS
- Statement of Service Letter (see example here)
- Clear copy of your Driver’s License or Green Card if not US Citizen.
- Two or more current, consecutive pay stubs; to equal one full month of pay
- Last two years of W-2’s or 1099’s
- Last two years of complete tax returns with all schedules.
- Two current months of bank statements on all accounts, including pages intentionally left blank
*Each mortgage is unique and depending on your situation (bankruptcy, citizenship, etc), other documentation may be required. Please call for free consultation.
UNDERSTANDING VA LOANS
To every Veteran in the market for a VA Loan, Tampa One would like to first thank you for your service to our country and second – assure you that we will do everything possible to get you into the home you deserve regardless of your circumstances. Every man and woman who has served deserves a simple loan buying process with transparency and accountability. And it is unfortunate that every mortgage company that has the ability to get you a VA Loan likely doesn’t believe in those values. At Tampa One, our experienced full-time loan officers are ready to make sure that as a veteran, you get the individual attention that you deserve. We put a lot of emphasis on understanding every aspect of your finances to be sure we are fully prepared for unforeseen circumstances that could prevent you from owning the home you want. This attention to detail is the reason why our biggest referral source for business has always been Realtors and that’s because – we make sure closings happen.
Some good reasons for getting a Veterans Association Loan are….
- No money down to purchase a home
- With a credit score as low as 620 you can still qualify
- Guaranteed low rates
- No mortgage insurance (automatically lower monthly payment)
- Jumbo VA Loans go up to $1,500,000.00
- In some cases, you can get approved immediately following a short sale
- You can get approved just 2 years after a Bankruptcy and Foreclosure
The federal government has worked hard to make this process easy but, it’s still very possible that an inexperienced mortgage broker will hurt your chance at home ownership. Many organizations will parade around their brokers with military experience and cite that as a reason you should choose them instead of another company. Tampa One is well known in this region for having a near perfect VA Loan closure rate. This is because we make sure every important detail is addressed in the beginning of the application process. Then we take the time to explain every option in terms you will understand. We want to make sure you’ll have the best possible outcome on one of the biggest purchases you will ever make. And once you’re a client, you will have an entire team of professionals available to you outside of normal business hours and on weekends. Remember that choosing Tampa One can be the difference in you getting the home of your dreams or losing out.
Integrity, Transparency, Knowledge and Availability are what makes Tampa One stand out – experience the difference
With no money down and low closing costs, Tampa One can get you a VA Loan with the best available interest rates and the lowest possible monthly payment. Many large mortgage companies and banks can only give you one interest rate option with a loan offer because they are forced to lend their own money. Some of the small local mortgage companies have the ability to shop for rates, but their stuck with whatever their lending partners have to offer. Tampa One has the ability to get you the best rates because we work closely with multiple A-rated mortgage companies and we are a direct lender. This means we can shop for the best rates nationwide and Tampa One also have the ability to directly loan you our money to buy your home. At Tampa One our process is built on integrity, knowledge, transparency and availability to ensure that you get the best possible outcome for yourself, your loved ones and your future.