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Military Veterans 32819 | 32836 |Wendy Morris Realty Dr Phillips

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As for being a 30 year Air Force Veteran and using my VA loans for my family I salute you. I understand military veterans deserve the best, I am here to take you to another level of buying and selling from A-Z. Let's start with credit, your credit needs to be in tip top shape to earn the best interest rate available at the time of purchasing. Only fee you pay is a VA funding fee that is associated with your loan, (a standard formula of computation on price of home) and standard closing cost. This fee can be rolled into your loan.  You can use your 401K early and not be be penalized a fee as long as it is in conjunction of your transaction. I suggest you withdraw just before closing and provide your account with all necessary documentation. I have done this several time.  Debt ratio is 41% and higher than the normal loan. These loans do not require a minimum FICO score and meet other standard guidelines.

Sellers can contribute to buyer up to 4% credit of the sales price of home and certain rules apply on how the money is used to help veteran. 

Providing you are purchasing VA, 100 percent financing is available with little or no money is required and no private mortgage insurance.  You can use a VA loan only for your primary residence. You can continually use you VA eligibility and long as you have the other closed outLet's have finances in order, this helps with closing cost's and essentials to upgrade your home. This is one of your best entitlement's other than college and the best loan on the market! Use it! It does not get better than this. Any questions that you have, feel free to contact me anytime at 850 496-6412. 


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All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independent verified. Listing information is provided for consumer personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. The source of the listing data is as follows: | Stellar MLS (updated 8/20/19)
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