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VA First-Time Home Buyers
Buying your first home is a big step. With a VA loan, eligible veterans and service members may be able to take it with no down payment and no monthly mortgage insurance.
Your first home, with the benefit you earned.
A VA loan is guaranteed by the U.S. Department of Veterans Affairs, which lets lenders offer terms many first-time buyers can’t find elsewhere. Lance walks you through eligibility, your Certificate of Eligibility, budgeting and the offer process in plain language, so nothing about your first purchase feels like guesswork.
What first-time buyers get with a VA loan
No down payment
Eligible borrowers with full entitlement can often finance 100% of the purchase price, keeping your savings in your pocket.
No monthly mortgage insurance
VA loans do not require monthly private mortgage insurance, which can lower your payment compared with many other loans.
Competitive rates
The VA guaranty reduces lender risk, and VA loans are known for competitive interest rates.
Closing costs kept in check
VA rules limit certain fees a borrower can be charged, and sellers may be able to contribute toward your closing costs.
How it works
Talk with Lance
A short conversation about your goals, budget and timeline.
Confirm your eligibility
We help you get your VA Certificate of Eligibility.
Get pre-approved
Know your price range, then shop and make offers with confidence.
Close and get your keys
Lance manages the process through closing day.
Good to know: a one-time VA funding fee generally applies. Veterans who receive VA disability compensation, and certain others, are exempt. Your fee depends on your service history and loan details.
Start your VA home financing journey today.
Serving ALL of Florida and Utah.