The Best VA Home Loans

Get the Mortgage that’s Right for You

Serving Those Who
Served Us

Not everyone is willing to die for strangers. That’s just part of what makes this nation’s veterans special. VA loans (Veteran’s Association) exist to help servicemen and women achieve the American dream of home ownership. Pineywoods Mortgage in Tampa is proud to offer VA loans. It’s the least we can do to pay back something that can never be paid back. Contact us today to get started!

Advantages Of VA Home Loans

  • Backed by the federal government

  • No down payment required

  • No mortgage insurance required

  • Veterans can qualify for larger amounts than with FHA loans

  • Debt-to-income ratio is less stringent

  • Lower closing costs

  • Can live in your dream!


The price veterans are asked to pay is high, and it’s a price they’re willing to pay. At Pineywoods Mortgage, we think that when veterans agree to safeguard our country, they deserve a little something back. That’s why we’re proud to offer VA loans, and while they can be a great option for members of the armed services, they include more than a little fine print.


The Veterans’ Administration was put in charge of helping veterans buy a home, a farm, or a business. With less restrictions, VA loans have helped thousands of veterans qualify for home ownership who otherwise wouldn’t have. There are many reasons to obtain a VA home mortgage loan if you qualify.

You probably qualify for a VA loan if you’re part of the military, the Coast Guard, a reservist, or a veteran. If you’re currently on active duty, you’ll be eligible to qualify once you have served for six months. As a reservist or National Guard member, you’re eligible in six years, unless you are called up for active duty. Should that happen, you become eligible after 181 days. Spouses of those who have died in the line of duty or due to a service-related disability are also eligible.

Pineywoods Mortgage believes strongly in helping veterans obtain homes and achieve one of their dreams. We’re here to serve you in Florida. Below are just some of the reasons to obtain a VA loan if you are a veteran. Contact us today!

Reasons To Obtain A VA Loan

No Down Payment

This is a huge benefit to veterans, especially to those returning from overseas. This is probably the best benefit of VA loans.

Lower Interest Rate

Speaking generally, the interest on VA home mortgage loans are comparable and even less than other loans, despite the fact that there is no down payment.

PMI Not Required

Another great benefit of VA loans is the fact that mortgage insurance is not required if less than 20% of the home’s value is put down. This is a huge savings since FHA loans require private mortgage insurance for the life of the loan.

Easier To Finance

Those who are looking to refinance their home do not have as many requirements as is traditionally required on other mortgage loan products.

Loans Never Expire

What Pineywoods Mortgage means by this benefit is this: you can obtain as many VA loans in your lifetime as you like as long as you only have one VA loan at a time.

Loans Are Assumable

Having someone assume your mortgage loan is a huge benefit to homeowners who need to sell their homes but can’t find a qualified buyer who qualifies for conventional or even FHA loans.

Limited Closing Costs

The VA limits the amount of closing costs mortgage lenders can charge for VA loans. Regular fees that are charged others, such as fees for underwriting and loan processing fees, are expressly prohibited by the law. These fees may be passed on the seller or the mortgage lender can absorb them, but the veteran who is purchasing the home cannot pay them. All the fees can be financed into the loan itself. This is good news for veterans who are first-time homebuyers.

Keeping the fine print straight with VA loans can be a challenge. It’s our job to help you understand exactly when you’re qualified and guide you through the entire journey to home ownership. Our office in Florida is proud to help veterans by offering VA loans. To take the first step with confidence, contact us online or by phone today.
Please enable JavaScript in your browser to complete this form.


Beginning the loan application process? You're in the right place! Get started by filling out the form below.