VA Loan in Tampa and Throughout All of Florida

VA Loan in Tampa and Throughout All of Florida For Our Military Families & Veterans Who Have Served Our Country

VA loan in Tampa Florida – Mortgage Loan Originator Gem Goktepe has been helping our veterans and military families buy their dream homes for over 20 years. Gem’s extensive experience with the VA loan approval process and his vast resources allow him to help make our veterans’ dreams come true by helping them get approved for a VA loan so they can buy the home of their dreams with no down payment when possible and at the lowest available interest rates on the market.

Gem Goktepe and his team at Pioneer Mortgage Funding, the leading VA loan lenders in the Tampa area, appreciate and respect military families and veterans. They are passionate about helping them, given all the sacrifices they have made to protect and serve our Country. Gem works hard to help make the VA loan approval process as smooth as possible for military families and veterans, making sure that they can benefit from all the government has to offer in the VA loan programs.

Best Lender In Tampa Florida Helped Dina Get Approved In Only 8 Days Even When Her Bank Said “No”

Best mortgage lender in Tampa Florida, Pioneer Mortgage Funding, Inc. and Mortgage Loan Originator, Gem Goktepe helped their self-employed client, Dina, get approved for a self-employed loan within only 8 days.

Dina had been trying to get a loan through her bank for a few weeks without any luck. However, working with Gem Goktepe who specializes in self-employed loans and bank statement loans, Dina got approved quickly and easily.

Gem is an expert in helping people get approved, even when other lenders have said “No.”

We know that each military family and veteran have specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention.

Our home mortgage experts are here for you and ready to help you get your VA home loan approved at the lowest interest rate possible. You could be approved within just a few days. Click the button below to get started by contacting us now!

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We Are Happy To Have Helped Thousands Of Clients With Their VA Loans in Tampa

We are honored to have helped thousands of homeowners throughout Florida get approved for their VA loans, mortgages or refinance…all at the lowest rates available on the market today!

We provide unsurpassed lending services to clients anywhere in Florida, including Tampa, Wesley Chapel, Land O’ Lakes, Lutz, Odessa, Dade City, Lakeland, Orlando, St. Petersburg, Clearwater, Sarasota, Naples just to name a few.

Here is what our clients have to say about how Mortgage Loan Originator, Gem Goktepe helped them with their residential loans, refinance loans, home equity loans, commercial loans and special loans such as VA loans, self-employed loans, bank statement loans, no-income loans, second chance (bankruptcy) loans, divorce refinance and jumbo loans (reviews as seen on Gem Goktepe’s Zillow Profile and Gem Goktepe’s Google Reviews).

Mortgage Broker in Tampa Florida and Wesley Chapel FL

“I’m happy to have helped thousands of happy clients get approved for their loans quickly and easily, and I’m excited to help you too!”

Gem Goktepe – Mortgage Loan Originator MLS#1812307

Call Now For A Free Consultation – (813) 771-9700

Gem Goktepe Reviews

Gem is my goto. He is always available and answers any questions you have. Thank you Gem for helping me, answering my questions, and explaining the process. You got me the best percent available. Being a Veteran, its great someone like you cares and takes great care for us. Thank you again.

Darron Hymes - Orlando, FL (VA Loan)

Gem was very honest during the whole process. He is very knowledgeable and doesn’t play games. The best thing about working with Gem, is he will always answer his phone to help you out. Doesn’t matter if its 10pm on a Sunday. He will always be there for you. Highly recommended.

Justin Johnson - Land O Lakes, FL (VA Loan)

Thank you for your dedication throughout this refinance process. You where there from start to completion and each step of the way you were just a text and phone call away, day or night. You explained and answered all the questions I had very clearly and completely. I will recommend you to anyone that I come in contact with that is looking to purchase or refinance their home. Thanks again Gem, you are A+++ in my book, you have all my future home purchasing and home refinance deal. GOD Bless you Gem.

Malcolm N. - Lawrenceville, GA (Refinance, VA Loan)

Awesome work with Gem through these hard times right now. Gem was still able to get me approved very quickly . Very professional. 100 percent recommend, will be using again.

J. Losat - Wesley Chapel, FL (VA Loan)

Thank you for orchestrating such a smooth and cost saving loan. From start to finish, Gem did an exceptional job and made the loan process easy. I had a competing offer late in the process, which Gem was able to offer lower fees and closing costs, then still pushed my application quickly through. Gem and his team have been extremely responsive and super helpful throughout the whole process. Thank you for going above and beyond to get everything done on time. You did an absolutely perfect job! I would highly recommend his services to anyone interested in purchasing or refinancing.

Burak K. - Tampa, FL (Refinance)

What is a VA loan?

A VA home loan is a mortgage available through a program established by the United States Department of Veterans Affairs. VA home loans assist service members, veterans, and eligible surviving spouses to become homeowners. The VA sets the qualifying standards, dictates the terms of the mortgages offered and guarantees a portion of the loan. VA home loans are provided by private lenders such as banks and mortgage companies.

Lock in the lowest interest rate for your VA loan today!

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VA Loan Benefits

The U.S. government is grateful for all of the American veterans and military personnel who have served our country and they have created these VA loan programs to help veterans find, and keep, the home of their dreams…while making the purchase as affordable as possible.

As a military family and veteran, there are several reasons why it is beneficial to take advantage of the VA loan programs that the government offers.

VA loans offer the following benefits:

No down payments

The VA mortgage loan program allows veterans and military personnel with qualifying income and credit to purchase their home without a down payment. This means the loan will equal the sales price of the home.

No monthly mortgage insurance

Unlike Conventional mortgage loans and FHA mortgage loans, VA mortgage loans do not charge monthly mortgage insurance. This is an average savings of anywhere between $30 and $200 a month, depending on the loan amount.

Lower credit and income requirements

Another benefit of the VA loan program is that getting approved for a VA loan is easier than getting approved for a Conventional or FHA loan because a veteran’s credit score and income levels do not have to be as high for approval.

VA loans allow seller concessions

VA loans allow the seller to contribute up to 4% towards the costs associated with the VA loan on the home buyer’s behalf. This is exceptionally important in helping a veteran purchase a new property and reducing the amount of money needed for closing.

Lower interest rates on monthly payments

For many veterans, VA mortgages offer the most competitive rates. Since VA mortgage loan rates are not tied to credit scores the way conventional home mortgage rates are, veterans and military personnel can enjoy lower mortgage rates.

No prepayment penalties

The VA mortgage program allows veterans to make prepayments on their VA mortgage loan and pay off their home loan earlier without incurring any prepayment penalties. This allows veterans to save on the overall interest costs of their mortgage.

VA Loan Requirements

The United States Department of Veterans Affairs sets the rules for who may qualify for a VA home loan, and issues minimum guidelines and requirements under which mortgages may be offered.

You may qualify for a VA loan in Florida if you meet any of the following requirements:

  • If you have served 90 days or more of active duty service during war time;
  • If you have served 181 days or more of active duty service during peace time;
  • You are currently active duty personnel and meet either of the above service requirements;
  • You have more than 6 years of service in the National Guard or Reserve;
  • You were discharged from service honorably;
  • You are the surviving spouse of a veteran who died during services or of service related injuries and are not remarried.

We are proud to say that we are VA approved lenders and we strive to help veterans throughout the state of Florida take full advantage of the VA loan program and all of its benefits. Our VA loan experts have extensive experience and will take the time to sit with you and determine your eligibility for a VA home loan.

As a first step in determining your eligibility for a VA mortgage, Gem is happy to offer you a free VA mortgage consultation to discuss the details of your eligibility. Give Gem a call now at (813) 771-9700 to schedule your free VA mortgage consultation.

VA Loan Rates

Our VA mortgage lenders can get you the best mortgage rates guaranteed, with no hidden fees.

Having access to a wide range of investment tools and products allows us to offer some of the lowest current mortgage rates in the United States.

We can help you save hundreds of dollars a month. Get one of the best deals guaranteed! Speak directly with our VA loan expert, Gem Goktepe right now by calling (813) 771-9700.

VA Mortgage Calculator

For your convenience, you can calculate your estimated monthly mortgage payments using the VA home loan calculator below. You have the option of having the PDF of the estimated monthly principal and interest payment schedule emailed directly to you as well.

Simply fill out the form below by editing the numbers according to your mortgage amount, estimated interest rate, down payment and terms and click “Calculate” and an amortization schedule will be generated.

VA Mortgage Calculator

How To Apply For Your VA Loan

Our VA loan specialists will help make your VA loan application process as quick and easy as possible. With our vast experience, expertise and resources we are able to streamline the whole loan application and approval process for our veterans to make it faster, easier, and hassle-free. You can get started on your VA loan application today by contacting Gem right now! Simply fill out the form below and Gem will get in touch with you shortly:

Start The Process For Your VA Loan Application Now

Our VA mortgage lenders are passionate about helping our veterans get into their dream homes and live the life they deserve to enjoy! To get the process started for your VA loan application, simply fill out the form below and our VA mortgage specialists will contact you shortly:

    Mortgage Lender for VA Home Loans in Tampa - Directions To Pioneer Mortgage Funding, Inc.