Find VA Loan Specialists Near You in St. Augustine, FL
Compare va loan specialists in St. Augustine. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of Florida before hiring.
Showing 20 va loan specialists in St. Augustine, FL
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What Does a VA Loan Specialist in St. Augustine Cost?
Typical costs for a VA loan specialist in Florida range from zero upfront to a flat fee of 500 to 1500 depending on the service. Some specialists are paid by the lender so you may not pay directly. The VA funding fee is 2.15 percent for first time use with zero down payment but can be waived for disabled veterans. Florida closing costs average 2 to 5 percent of the loan amount. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a VA loan specialist do in St. Augustine?
A VA loan specialist guides veterans through the VA loan process from pre approval to closing. They help with Certificate of Eligibility requirements and explain local property tax exemptions for disabled veterans in Florida. They also coordinate with appraisers who meet VA minimum property requirements.
Do I need a VA loan specialist for a home in St. Augustine?
While you can apply for a VA loan directly with a lender a specialist can simplify the process. They understand Florida specific issues such as flood insurance requirements in coastal St. Augustine and the VA funding fee rules for reserve or National Guard members.
What Florida laws affect VA loans in St. Augustine?
Florida law provides a property tax exemption for disabled veterans and surviving spouses under Florida Statute 196.081. The VA loan process in Florida also follows federal rules including a 30 day waiting period for refinances under the VA interest rate reduction refinance loan program.