Name:  * required Email:  * required Question/Comments:       more       “Tim is not only a mortgage consultant, he is a financial consultant. He is not only interested in assisting clients with obtaining a mortgage, his ultimate concern is how that mortgage fits into the client's overall financial plan. See More... Do I have to put money down on a VA loan? No, there is no down payment. See More...     HOW TO GET A MORTGAGE OVERVIEW DEBTS ASSETS   INCOME THE HOME EMPLOYMENT   My pledge to you is that I will always give advice and help that is in the best interest of my clients.  I see my responsibility as one of service. The question I ask myself with every client is, if this person was my father what advice would I recommend for him. I then use that process to solve my client’s needs. Back on 2005 when the market was really hot I would not finance some potential clients. Not because the bank would not approve the loan but because I could not in good conscious allow some folks to get in over their head.   Whether you are active or retired military you are eligible to get a VA mortgage. A great benefit of your military service is 100% financing for home mortgages through The Department of Veterans Affairs (VA) Loan Guaranty Service. The Northeast Florida and Southeast Georgia area is home to many active duty and retired military families and individuals. Our military community includes Navy, Marines, Army, Air Force, National Guard, and Coast Guard. The VA offers loan programs tailored to first time home buyers or previous home owners. As a VA loan mortgage professional, I am available to answer any questions you may have with regards to VA loan programs or VA loan eligibility. With extensive experience in the local real estate market and the mortgage industry, my commitment is to guide you through the VA home buying or VA refinancing process making it as smooth as possible, while working on your behalf the whole way.   NAS Jacksonville, NS Mayport and Kings Bay Naval Submarine Base are areas that I cover in addition to other military communities throughout Florida. VA home loans are available for home purchases or home refinancing if you qualify. You may be eligible for a VA Loan if any of the following statements are true: I Served 181 days during peacetime (Active Duty) I Served 90 days during war time (Active Duty) I Served 6 years in the Reserves or National Guard I am the spouse of a service member who was killed in the line of duty See more... VA loan program Features: The ability to purchase a home with zero dollars down. 100% financing with no monthly mortgage insurance. Get approved with less than perfect credit and still get a great rate. VA Refinance program can lower your monthly payment or allow you to get cash out. When you are ready to refinance a VA loan, you can do a VA Streamline Refinance that requires no income, asset, or credit verification and many traditional closings costs are waived making it cheaper.         DISCLAIMER:The information found in these calculators are to be used as a guide and is deemed reliable but not guaranteed. Please schedule an appointment today to find out more information about your loan.

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