VA Purchase Loans
Learn about entitlement, occupancy, eligible properties, closing costs and the home-buying timeline.
EXPLORE VA PURCHASE OPTIONS →Florida & Georgia VA Loan Guidance
VA Home Loan Education Center
Clear guidance for veterans, active-duty service members and eligible surviving spouses exploring VA purchase loans, credit challenges, manual underwriting and VA refinancing.
UNDERSTAND YOUR OPTIONS
Useful VA information for real borrowing decisions.
Approved Mortgage helps borrowers throughout Florida and Georgia understand eligibility, entitlement, occupancy, property requirements, underwriting and the steps from review through closing.
Important: Eligibility and loan approval are not guaranteed. Income, credit, residual income, property eligibility, appraisal requirements, occupancy, entitlement and lender underwriting standards apply.
Credit Challenges
A score alone does not tell the whole story. Payment history, residual income and the complete profile matter.
REQUEST A 500-SCORE REVIEW →Manual Underwriting
Some files may receive an individual review when automated underwriting does not approve the application.
GET A VA SECOND LOOK →VA IRRRL Refinance
Existing VA borrowers may be eligible for a streamlined refinance when applicable requirements are met.
REVIEW VA IRRRL OPTIONS →THE SECOND LOOK PROGRAM
See how a personalized review works.
Watch Vance explain how a complete review may uncover options an automated decision can miss. Then explore the full channel for additional VA education.
SEE ALL VA VIDEOSCOMMON QUESTIONS
VA home loan FAQ
Can I purchase with no down payment?
Eligible borrowers may be able to finance up to 100% when VA, lender, entitlement, occupancy and appraisal requirements are satisfied.
Does VA set one minimum credit score?
VA does not publish one universal score for every VA-guaranteed loan, but lenders may establish their own requirements.
What if automated underwriting says no?
Some files may qualify for manual underwriting depending on lender availability and the complete borrower profile.
What is a VA IRRRL?
A VA IRRRL is a refinance option for an eligible existing VA loan that must satisfy applicable benefit and lender rules.
GET A PERSONALIZED REVIEW
Put the education to work.
Talk with Approved Mortgage about your goals, eligibility, credit profile, current mortgage or property plans.
CALL OR TEXT VANCE