VA Home Loans
Home Financing for Those Who Served
Explore VA home loan options with guidance from an experienced mortgage professional at Merchant One Financial.
Answer a few short questions and a Merchant One Financial loan specialist will follow up. No obligation.
- VA home purchase loans
- VA cash-out refinance options
- For eligible veterans, service members and surviving spouses
Personalized Guidance
Experienced mortgage professionals
Multiple Options
Access to multiple mortgage solutions
Florida Expertise
Serving homeowners throughout Florida
No Obligation
Explore available options without a commitment
Get Started
Explore My VA Loan Options
Answer a few quick questions. A Merchant One Financial loan specialist will review the information you provide.
Our VA Home Loans
VA Loan Options We Help With
At Merchant One Financial, we specialize in VA home loans and provide personalized solutions to meet your needs.
VA Home Purchase Loans
We assist veterans and active-duty service members in financing their homes through VA home purchase loans, helping you take advantage of the benefits of VA financing.
VA Cash-Out Refinance
If you would like to tap into your home equity for debt consolidation, home improvements or other financial needs, a VA cash-out refinance may be an option for eligible homeowners.
Why VA Financing
Features of VA Home Loans
VA loans are designed to recognize the service of the men and women who have served our country. Key features may include:
No Down Payment for Many Eligible Borrowers
VA loans may allow eligible borrowers to finance a home purchase without a down payment, subject to entitlement, lender requirements and property eligibility.
No Private Mortgage Insurance (PMI)
VA loans do not require private mortgage insurance. A VA funding fee generally applies unless you are exempt.
Flexible Credit Guidelines
VA guidelines can be more flexible than some other loan types. Lender credit requirements still apply.
Streamlined Refinancing
Existing VA borrowers may be able to refinance through the VA Interest Rate Reduction Refinance Loan (IRRRL), subject to eligibility.
Experienced Guidance
Helping Veterans and Their Families
We help eligible veterans, active-duty service members and surviving spouses understand VA financing and find a loan that fits their situation. Our experienced team will guide you through the process and help you understand the loan terms available to you.
To get started, fill out our online form or call 800-794-0441. We’ll review your information and walk you through your options.
Serving Largo, Seminole, Indian Rocks Beach, Madeira Beach, St. Petersburg, Pinellas County and the state of Florida.
Helpful to Know
- Eligibility is determined under VA guidelines
- A Certificate of Eligibility (COE) is part of the process
- A VA funding fee generally applies unless exempt
- The property must meet VA requirements
How It Works
A Clear, Guided Process
Tell us about your goals
Share whether you are buying or refinancing and a few details about your situation.
Review your VA options
A loan specialist reviews your information and explains VA programs that may be available to you.
Move forward with guidance
If you decide to proceed, we help guide you through the application and closing process.
FAQ
VA Loan Questions, Answered
Who may be eligible for a VA loan?
VA loans may be available to eligible veterans, active-duty service members, certain members of the National Guard and Reserves, and certain surviving spouses. Eligibility is determined under VA guidelines.
Is Merchant One Financial part of the VA?
No. Merchant One Financial LLC is a mortgage company. We are not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency.
Do I need a down payment for a VA loan?
Many eligible borrowers can purchase without a down payment, depending on entitlement, loan amount and lender requirements. A loan specialist can review your situation.
Can I use my VA loan benefit more than once?
In many cases, VA loan benefits can be used more than once, depending on your remaining entitlement. We can help you review your situation.
Merchant One Financial LLC is not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. VA loans are subject to eligibility, entitlement, credit approval, underwriting guidelines and property eligibility. A VA funding fee may apply. This is not a commitment to lend. Programs, rates and terms are subject to change without notice.
Ready to Explore Your VA Loan Options?
Tell us about your goals or call to speak with a loan specialist.
Merchant One Financial LLC — your trusted Florida mortgage broker since 2015.
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Our Locations
Largo
12800 Indian Rocks Rd #5c
Largo, FL 33774
Belleair
2401 West Bay Dr #4110
Largo, FL 33770
Merchant One Financial LLC · NMLS #1469870 · NMLS Consumer Access
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates and terms are subject to change without notice.
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