VA Loans
You Served. Now Let Us Serve You.
Honoring your service with $0 down payment and industry-leading benefits.
What Is a VA Loan?
A VA loan is a mortgage benefit earned through military service — and it is one of the most powerful homeownership tools available. Guaranteed by the U.S. Department of Veterans Affairs, VA loans allow eligible veterans, active-duty service members, and surviving spouses to purchase a home with no down payment and no private mortgage insurance.
At Keystone Lending, we are honored to serve those who have served our country. Our team takes the time to fully explain your benefits, maximize your entitlement, and guide you through every step of the VA loan process with the care and urgency you deserve.
Military Service
Veterans, active-duty, or surviving spouses eligible.
$0 Down Payment
No down payment required for eligible borrowers.
No PMI Required
Save hundreds per month with no mortgage insurance.
Key Benefits
$0 Down Payment
Purchase a home with no down payment — one of the most powerful benefits available to veterans.
No Private Mortgage Insurance
Unlike conventional loans, VA loans require no PMI, saving you significant money every month.
Competitive Interest Rates
VA-backed loans typically offer lower rates than conventional financing.
Flexible Credit Standards
More lenient credit qualification requirements compared to most loan programs.
Limited Closing Costs
VA guidelines limit the fees lenders can charge, keeping your out-of-pocket costs low.
Lifetime Benefit
Your VA entitlement can be used multiple times — it does not expire after your first home.
Loan Options Available
VA Loan Options Available
VA Purchase Loans
Buy your primary residence with $0 down and no PMI.
VA IRRRL Refinance
Streamline your existing VA loan into a lower rate with minimal paperwork.
VA Cash-Out Refinance
Access the equity in your home for improvements, debt payoff, or other needs.
Who is This Best For?
Veterans with an honorable discharge
Active-duty service members who meet minimum service requirements
National Guard and Reserve members with qualifying service
Surviving spouses of veterans who died in service or from a service-related disability
Those who have previously used their VA benefit and want to use it again
Borrowers relocating to the Tampa Bay area after military assignment
Requirements Overview
VA Loan Requirements Overview
Down Payment
$0 Required
Mortgage Insurance
None Required
Credit Score
Flexible (Generally 580+)
Eligibility
Certificate of Eligibility (COE)
Why Choose Keystone Lending?
Speed & Efficiency
Same-day pre-approvals and extremely fast clear-to-close times so you never miss an opportunity.
Personalized Care
Direct access to Curtis Norman and a team dedicated to your specific financial picture.
Competitive Rates
We shop the market and bring you the lowest available rate for your unique situation.
Transparent Process
No hidden fees, no surprises — clear communication with you at every single step.
Claim the Benefit You Earned
ADDRESS
1467 Hunter Lane, Clearwater, FL 33764
PHONE
(727) 383-6682
angelitawnorman@gmail.com
