VA Loan

VA Loan

A great financing solution for qualified veterans, service members and surviving spouses. 100% financing & no PMI!

I Want My FREE VA Loan Quote

What is a VA Loan?

What is a VA Loan?
A VA loan is a mortgage option for people who meet the VA's guidelines for military service. They are guaranteed by the Department of Veterans Affairs. In most cases, you'll get your loan from an approved private lender, like a mortgage company or bank.

Geneva Financial is a VA-approved lender. We offer these types of VA loans:

  • Fixed-rates with a variety of terms, so you can choose the length of the mortgage that works for you
  • Adjustable rates (ARMs) if you're looking to stay in your home for 5 or 7 years
  • Jumbo loans if your loan will be between $484,351 and $1,500,000

Qualifying for a VA Loan

When you apply for a VA loan, we'll want to make sure you have sufficient income and that you're eligible for this type of loan. If your situation meets the VA's guidelines for type and length of service, they'll issue a Certificate of Eligibility to confirm you're eligible. If you haven't already, we'll apply for your Certificate of Eligibility to save you some time. Click here to learn more about eligibility.

To qualify for a VA loan with Geneva Financial, we recommend having a credit score of at least 580 and a debt-to-income ratio no more than 60%.

The Benefits
  • Most veterans and service members won't need a down payment.
  • You can qualify with a lower credit score and more debt compared to conventional loans.
  • If you already have a VA loan, you can refinance up to 120% of your home's value.
  • Keep in mind that if you're taking cash out of your current home, you can only borrow up to 100% of your home's value.

Benefits of Getting Your VA Loan With Emmett Dempsey

  • Emmett Dempsey is a veteran and he loves helping fellow veterans with their VA loan.
  • Personalized service from one of Florida's top rated lenders.
  • Balance of online tools and technology with a human client touch.
  • Clarity of mortgage options and financial benefits through a Mortgage Coach Total Cost Analysis.
  • Continued Annual Reviews of your mortgage and personal finances.

Other Popular Loan Options

Why a VA Loan?

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed Rates

    Fixed Rates

  • Adjustable Rates Mortgage (ARM)

    Adjustable Rates
    Mortgage (ARM)

  • Conforming Loans


  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, & USDA

  • Terms from 5 to 30 Years

    Terms from 5 to
    30 Years

Get Your FREE VA Loan Quote Now!

Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:

I Want My FREE Va Loan Quote