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VA Home Loans Bay Gulf County

This page updated and accurate as of May 14, 2025 VA Mortgage Hub

va certificate of eligibility mortgage100% Financing VA Mortgage Program – Bay & Gulf County Florida.

Recent changes to housing regulations have nearly eliminated no money down mortgage loans for home buyers.  Fortunately, VA Home Loans still allow eligible Veterans to purchase homes with $0 down payment.

Most lending institutions in Florida today require a 10% to 20% down payment to purchase a home, making it difficult for many military families.  The Federal Housing Authority (FHA) requires a down payment of 3.5%.  Veteran Mortgage Loans are structured with guaranteed funds to lenders secured by the government via the Department of Veteran Affairs.  As a result, NO down payments is required.

Monthly “PMI” Mortgage Insurance Not Needed

VA mortgages do not require mortgage insurance in addition to the monthly payments.  Contrasting with traditional housing programs, VA home buying programs save Veterans from paying expensive mortgage insurance. Conventional , FHA and USDA loans all require monthly PMI or mortgage insurance to be charged each month.

Super Low VA Loan Interest Rates

With interest rates similar to FHA or Conventional loans, 30 year fixed interest rates on Veteran Mortgage loans are very attractive since the possible risk of bank/lender loss is offset by the government’s loan guarantee.  However, FHA and Conventional programs still require a down payment from the home buyer.

Easy Application and Qualification Requirements

The process for getting qualified for your VA mortgage in Bay and Gulf County is easy!  Although individual lenders have specific standards, due to the Department of Veterans affairs mortgage guidelines and guarantee, the qualification requirements are somewhat easier than conventional loans.

Free Loan Pre-Qualification Anytime

Our VA Loan Specialists are available to serve Florida home buyers  7 days a week until 8pm. Have questions? Please contact us at 800-743-7556 or just submit the quick call back info request form on this page.

Serving all of FLA, including Bay County Callaway, Cedar Grove, Fountain, Laguna Beach, Lynn Haven, Mexico Beach, Millville, Panama City, Panama City Beach, Parker, Rosemary Beach, Sand Hills, Sandy Creek, Southport, Springfield, Youngstown. Gulf County, including  Port St. Joe, Wewahitchka, VA Home Loans Bay Gulf County, 

 

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