Veterans Home Advantage
2% Lender Credit Up to $16,000 for VA Buyers with Viera Builders — for a Limited Time Only*
Veterans Home Advantage Incentive Details
- Credit equals 2% of the loan amount, up to $16,000 (an $800,000 loan would have a $16,000 lender credit)
- Applied at closing toward eligible closing costs, prepaids, or escrows
- Valid on VA loans purchase of a Viera Build New Construction Home from Viera Builders
- Minimum loan amount: $150,000 (2% Lender credit would be $3,000 on the minimum loan)
- Borrower must meet all credit, income, and program guidelines
- Credit cannot be used for down payment or cash back, and may not be combined with other offers
- This is not a second mortgage or assistance loan
Veteran Owned,
Focused, And Operated
Morgan Financial is veteran-owned and Brevard-based, specializing in VA home loans. We’re proud to help fellow service members use their benefits with confidence—offering local support and guidance from a team who truly understands VA lending.
Viera Builder's
Preferred VA Lender
For over a decade, we’ve worked hand-in-hand with Viera Builders to help Brevard homebuyers close with ease. As a local lender, we understand the area, the process, and the people—making your VA homebuying experience fast, enjoyable, and consistent.
Start your VA loan application with our local team. We’ll walk you through your eligibility, benefits, and get you pre-approved quickly—so you can shop with confidence.
Once you’re pre-approved, work with Viera Builders to select your new home. Our long-standing partnership ensures a seamless process from contract to closing.
When you close on your VA loan with Morgan Financial and Viera Builders, you’ll automatically receive a 2% lender credit at closing—applied directly to your closing costs.
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.
Talk to a VA Loan Expert Today:
Morgan Financial and Viera Builders have helped hundreds of local veterans become homeowners.
Now it’s your turn—get expert guidance, $0 down, and a 2% lender credit at closing.
utilize your veteran home advantage
Veteran buying with Viera Builders? Use 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. 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
Important Disclosures:
- All financing is subject to credit and income approval.
- Programs, rates, and terms are subject to change without notice.
- This is not a commitment to lend.
- Promotional credit is not guaranteed and is contingent on full loan approval and closing with Morgan Financial.
- Other restrictions may apply.
*To qualify, borrower must complete a signed loan application with Morgan Financial between August 11, 2025 and September 30, 2025. Loan must close with Morgan Financial within 60 days of application to receive the credit. Credit is equal to 2% of the loan amount, up to $16,000, and will be applied at closing toward eligible closing costs, prepaids, or escrows.
Offer valid on VA loans only. This promotion is for purchase loans. This must be primary residence, single family home. No Condos. Not for Jumbo loans. Must be a loan that Morgan Financial offers. Minimum loan amount: $150,000. Borrower must meet all credit, income, and program guidelines to qualify for the loan and receive the credit. Credit may not be used for down payment or cash back and may not be combined with other offers. This is not a second mortgage or assistance loan.
All financing is subject to credit and income approval. Promotional lender credit is not guaranteed and is contingent upon full loan approval and closing with Morgan Financial. Programs, rates, terms, and conditions are subject to change without notice. This is not a commitment to lend. Other restrictions may apply. Morgan Financial is an Equal Housing Lender. NMLS #318525.