5805  US 1 – Rockledge , Fl, 32955


VA Home Loans From Morgan Financial

Veteran Owned, Veteran Operated and Veteran Focused. 

We’re here to make the VA home loan process a whole lot easier, with tools and expertise that will help guide you along the way.  

VA Loan

or call: 321-265-4000

Veteran Owned. Veteran Operated. Veteran Focused. 

VA Loan

A VA Loan is a home loan that is guaranteed to Veterans by the United States Department of Veteran Affairs.

Who can qualify for a VA Loan?



Air Force


Coast Guard

National Guard

Public Health Officers

Surviving Spouses

Length of service longer than 90 to 180 days

Benefits of a VA Home Loan 

  • Guaranteed by the GovernmentAs part of a program to help our veterans become homeowners, the Department of Veteran Affairs stands behind VA loans and guarantees that a portion of the loan will be repaid to the lender should you be unable to make your mortgage payments.Because of this, lenders are willing to provide loans with incredibly attractive terms for those who qualify.
  • Easy to QualifyBecause of the more flexible guidelines regarding income, credit, and documentation, VA loans incredibly accessible for veterans and active duty military.Most active-duty members qualify after around 6 months of service, and some may qualify in as little as 90 days during war periods. Even spouses of military members who passed away during their service may also apply.
  • No Down PaymentMost loans require at least a small down payment to buy a home, however VA loans are an exception to this rule. VA loans allow for 100 percent financing of the home’s purchase price, which means no down payment is required.
  • No Private Mortgage InsuranceMortgage insurance is typical for buyers who put less than 20% down on their home. This protects the lender should the buyer default on their loan for any given reason.However, VA loans do not require mortgage insurance which makes VA loans incredibly affordable over time.
  • VA Loans Are AssumableVA loans are assumable, which means that the loan can be transferred to the next homebuyer should they qualify. This adds significant value to a home, especially in a rising-rate market.
  • Lower Closing CostsThe VA places limits on what veterans can be charged for closing costs. Because of this, some costs must be covered by other parties in the transaction. In fact, the seller may even cover some of the closing costs as part of the negotiation process.

What Our Clients Have To Say

Morgan Financial and it’s employees went above and beyond other banks to support us. It was obvious from the start that my satisfaction was a priority to them and they exceeded even the high expectations that they set for my loan. I was not just a number to them. I was treated as though I was the most important business venture for them and I appreciated that. They worked late nights and early mornings to get me into my dream home. I would highly recommend this bank to anyone who is willing to listen.

Jonathan W

You guys were so awesome. Being a realtor, I’ve gone through many loan experiences with clients. This has been the best experience…6 days from Application to Clear to Close for a VA loan…that just doesn’t happen with any other lender. Your communication was outstanding and such a smooth process. I will highly recommend you to any future clients looking to receive a loan. Thanks again!!

Robin S.

Our Sales Team

Meet Our Team of Experts

Charlie Gutierrez 

Mortgage Loan Originator

NMLS ID# 476628P: 321-722-7506

Shannon Edwards

Mortgage Loan Originator

NMLS ID# 996628P: 321-417-0260

EVelynne Strick

Mortgage Loan Originator

NMLS ID# 659727P: 321-722-7502

Mary Cables

Mortgage Loan Originator

NMLS ID# 1684545P: 321-417-0271

Scott DUnn

Mortgage Loan Originator

NMLS ID# 1448245P: 321-722-7513

Frank Fortino

Mortgage Loan Originator

NMLS ID# 996627P: 321-722-7514

Derek Sichler Headshot

Derek Sichler

Sales Manager

NMLS ID# 331186P: 321-757-3570

Josh Stevens 

Loan Officer Assistant


Jasmine Longo

Loan Officer Assistant

What is PITI?

What Does It Mean If A VA Loan Is Assumable?

If You Have Debt, Can You Still Qualify for a Loan?

Does it take longer to get a VA loan compared to other loans?

What is the difference between Conforming and Nonconforming loans?

What is a Portfolio Loan?

What is the difference between a fixed and adjustable rate?

Does my spouse’s credit score matter?

Can an Eligible Veteran Have a Co-Borrower on a VA Loan?

What are Fannie Mae and Freddie Mac?

Frequently Asked VA Home Loan Questions

What is the Difference Between Interest Rate and APR?

What is the Minimum Down Payment on a Conventional Loan?

What is a Conventional Loan?

What is Mortgage Insurance?

How Does Putting Money Down Affect My VA Loan?

What are the Max Seller Concessions on a VA Loan?

What is the Difference Between a Pre-Qualification and a Pre-Approval?

What Do Sellers Have To Pay For On A VA Loan?

How Do You Know If a Condo is VA Approved?

What is Loan to Value?

 How does my credit score affect my loan?

How Do You Cancel Your Mortgage Insurance?

How Long Is My Rate Locked in For?

What is a Rate Lock Period?

Can You Roll Your Closing Costs Into Your VA Loan?

What is a COE? Where Can I Get a COE?

Can you use a VA Loan if a Prior VA Loan was Foreclosed on?

What are VA Loan Limits?

What is the Maximum Amount You can Borrow on a VA Loan?

What Costs are Included in my Monthly Mortgage Payment?

Additional VA Resources

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