EARNED THROUGH SERVICE.DESIGNED FOR HOMEOWNERSHIP.
The VA Home Loan Benefit remains one of the most powerful mortgage programs available to eligible military members, veterans, reservists, National Guard members, and surviving spouses.
At Allegiant Lending Firm, we follow VA guidelines — not additional lender overlays — helping eligible borrowers explore the full potential of their earned benefit.
SERVING MILITARY FAMILIESACROSS FLORIDA & GEORGIA
Proudly serving active-duty military members, veterans, reservists, National Guard members, and surviving spouses throughout Florida and Georgia.
From military relocations and PCS moves to first-time home purchases, refinancing opportunities, and investment goals, Allegiant Lending Firm is committed to helping those who have served our country achieve their homeownership dreams.
Throughout Florida & Georgia
- Tyndall Air Force Base
- Eglin Air Force Base
- Hurlburt Field
- Robins Air Force Base
- Moody Air Force Base
- Fort Stewart
- Hunter Army Airfield
- Fort Benning
- Naval Support Activity Panama City
- Naval Air Station Pensacola
- Naval Air Station Whiting Field
- Kings Bay Naval Submarine Base
- Coast Guard Station Panama City
- Marine Corps Logistics Base Albany
YOUR VA BENEFIT.YOUR NEXT CHAPTER.
Whether you're transitioning from active duty, relocating under PCS orders, retiring from military service, or purchasing your next home, Allegiant Lending Firm is honored to serve those who serve our nation.
WHY SO MANY VETERANS CHOOSE VA FINANCING
Keep more of each payment toward principal and interest.
Eligible borrowers may use the benefit more than once.
VA-guaranteed structure supports favorable pricing.
Sellers can contribute up to 4% — a smart structure that can mean $0 out of pocket at closing.
Closing costs may be covered by allowable gifts.
Designed for the home you live in.
WHAT COULD YOUR VA BENEFIT SAVE YOU?
Illustrative 5-year comparison. Assumes typical PMI/MIP rates and that the VA funding fee is financed. Actual figures depend on credit, program, rate, LTV, and underwriting.
UNDERSTAND YOUR VA FUNDING FEE
Percentages reflect the current VA funding fee structure for purchase loans. Illustrative only.
Higher down payment percentages may reduce the VA funding fee for eligible borrowers.
For first-time use with less than 5% down, the current VA funding fee is 2.15%.
WHAT DOES YOUR VA ELIGIBILITY LOOK LIKE?
Select a pathway to view general eligibility considerations. Final determination is made by the VA.
Veterans who served on active duty and were discharged under conditions other than dishonorable may be eligible based on length and era of service.
SEPARATING FACT FROM FICTION
VA MINIMUM PROPERTY REQUIREMENTS
VA property standards are designed to help veterans purchase homes that are safe, structurally sound, and sanitary.
Working systems and basic safety standards.
The home should be durable and functional.
Safe living conditions.
Property must be suitable collateral.
- Peeling paint
- Broken windows
- Safety hazards
- Inoperable systems
- Missing handrails where required
- Major health or safety concerns
The purpose of VA property requirements is not to make buying harder. The purpose is to help protect veterans from purchasing unsafe homes.
YOUR BENEFIT MAY BE REUSABLE
Most eligible borrowers begin with full entitlement on their first VA loan.
If part of the benefit is in use, remaining entitlement may still support an additional loan.
Selling a VA-financed home and paying off the loan may restore previously used entitlement.
The VA benefit is generally reusable across a lifetime of qualifying events.
Sale and payoff are typical paths to free up entitlement for the next purchase.
IRRRL and VA cash-out programs each have their own structure and requirements.
FREQUENTLY ASKED QUESTIONS
VA GUIDANCE BUILT AROUND SERVICE
YOU EARNED THE BENEFIT.LET'S HELP YOU USE IT.
Discover what opportunities your VA home loan benefit may provide.