Trusted Veteran Home Loan Lenders
Veteran Owned, Veteran Operated, Veteran Focused.
A VA Loan is a home loan that is guaranteed to Veterans by the United States Department of Veteran Affairs. We’re here to serve you and make the VA home loan process a whole lot easier, with our tools and expertise that will help guide you along the way.
What Is a VA Loan?
A VA loan is a home loan that is guaranteed to veterans by the United States Department of Veteran Affairs. We’re a veteran mortgage company, here to serve you and make the VA home loan process a whole lot easier with our tools and expertise that will help guide you along the way.
Who Is Eligible for a VA Loan?
For obtaining a VA home loan, a Certificate of Eligibility (COE) is super important. Generally speaking, the eligibility for a VA Loan depends on meeting any of the following minimum requirement.

You have served at least 90 consecutive days.
This depends on when you served. If you served between the Gulf War to present date, you meet the minimum requirements if you have served: at least 24 consecutive months, or at least 90 consecutive days during which you were called to duty, or at least 90 consecutive days if you were discharged for hardship or reduction in force, or less than 90 consecutive days if discharged for disability. Please visit the official VA website for the full list of service periods and their minimum requirements.
If you served between the Gulf War to the present date, you must meet the minimum requirement of serving at least 90 consecutive days of active duty service. For all other time periods and their minimum requirements, please visit the official VA website.
What Our Clients Say About Us
EXCELLENT Based on 272 reviews Tamara González2025-02-28Trustindex verifies that the original source of the review is Google. Lindsay, Jasmine and Mary were absolutely amazing throughout the entire mortgage process! They were professional, knowledgeable, and always available to answer our questions. They made everything so smooth and stress-free, keeping us informed every step of the way (friday updates). Their dedication and expertise truly made a difference, and I couldn’t have asked for a better experience. Highly recommend them to anyone looking for a reliable and supportive mortgage team! Cameron Congleton2025-02-21Trustindex verifies that the original source of the review is Google. This is our 2nd home purchase with Morgan financial and the whole process was seamless. Mary and her team are phenomenal. You cannot go wrong using them and their services. They truly care for their clients and we consider them family at this point. Donald Gammon2025-02-14Trustindex verifies that the original source of the review is Google. Mary Jazmine and Lindsey took care of me and got me my loan and closed perfect timing . Absolutely seamless working from a-z the whole time communication was a+ would highly recommend Michel Mirto2025-02-13Trustindex verifies that the original source of the review is Google. Great experience. Would recommend especially for VA loans Jeffrey Ulrich2025-02-12Trustindex verifies that the original source of the review is Google. The team at Morgan Financial made the home buying process incredibly easy, possibly fun even! Shelby McKay2025-02-06Trustindex verifies that the original source of the review is Google. Shannon and her whole team at Morgan Financial are excellent! She is extremely knowledgeable and responsive in every transaction we’ve worked together on! Zahra McTammany2025-02-03Trustindex verifies that the original source of the review is Google. Very professional and efficient. Morgan LaFountain2025-01-17Trustindex verifies that the original source of the review is Google. Thank you Mary, Jasmine, and Robert for all your help with financing our new home! We appreciate how kind, responsive, and informative you were throughout the whole process. Your whole team was really great to work with! Kurt Marshall2025-01-14Trustindex verifies that the original source of the review is Google. Very good personable service! Mary and Jasmine are awesome! Brandon Hull2025-01-09Trustindex verifies that the original source of the review is Google. Mary and Jasmine at Morgan Financial were great to work with throughout the process. Mary in particular was very patient and took her time to explain the entire process. I would highly recommend them and plan to work with them again for future mortgage needs.
Thank you for taking time to learn a little about our company. We look forward to hearing from you!
Benefits of a VA Home Loan
VA loans are designed with veterans and active duty military in mind, and there are many VA loan benefits for your latest home-buying endeavor.
Guaranteed by the Government
As 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.
Easier to Qualify
Because of the more flexible guidelines regarding income, credit, and documentation, VA loans are accessible for veterans and active duty military.
Most active-duty members may be eligible after around 6 months of service, and eligibility may come for some 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 Payment
Most 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 for qualified and eligible veterans, which means no down payment is required.
No Private Mortgage Insurance
Mortgage 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 loan programs do not require mortgage insurance, which may make VA loans more affordable over time.
VA Loans Are Assumable
VA loans are assumable, which means that the loan may be transferred to the next homebuyer should they qualify and is approved by the current servicer (other stipulations may apply). This may add significant value to a home, especially in a rising-rate market.
Lower Closing Costs
The VA places limits on what veterans can be charged for closing costs. Because of this, some costs may 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.
VA Entitlement
Among the endless counts of financial misconceptions, the most commonly confused subject matters are what can and cannot be done with a VA loan entitlement and how frequently it can be used. Did you know a borrower can have more than 1 VA loan? For loan amounts exceeding the $144,000 basic limit, an additional guarantee up to $77,275 is allowed as a bonus entitlement. It can be used all at once or, in some cases, allow for a 2nd VA loan. Entitlement can be restored once the VA mortgage is paid off and used over and over again.

Contact a Mortgage Expert:
Book a consultation to chat with one of our Mortgage Loan Originators about your individual mortgage needs and qualifications.
Reach Out to Our Dedicated Veteran Home Loan Lenders
Looking for a VA lender near you? Come to Morgan Financial. You’re not just another borrower to us — you’re a hero, and we’re honored to help you achieve the dream of homeownership. Whether you’re buying your first home, refinancing, or exploring your VA loan benefits, our team of veteran home loan experts is here to guide you every step of the way.
Call us today, start your application online, or schedule a free consultation — and let’s make your path to homeownership simple, secure, and stress-free.
- 1441 N Harbor City Blvd. Melbourne, FL 32935
- 321-265-4000
- 321-757-9730