Buy a Home in Florida — Personal Service from Contract to Close
Whether it's your first home or your fifth, Homesite Mortgage has helped Florida families finance their next move since 1999. Tom Culpepper reviews every prequal personally and follows up within 1 business hour — no call centers, no handoffs to juniors.
A Benefit Designed for Those Who Served
A VA loan is a home loan guaranteed by the U.S. Department of Veterans Affairs. The VA does not lend money directly — approved lenders like Homesite Mortgage originate the loan, and the VA's guarantee allows for borrower-friendly terms not available through conventional financing.
For eligible borrowers, this can be one of the most accessible paths to homeownership in the country.
Who Can Use a VA Loan
The general categories of borrowers eligible for VA loans include:
- Veterans who completed required service and were discharged under conditions other than dishonorable.
- Active-duty service members who meet minimum service requirements.
- National Guard and Reserve members with qualifying service.
- Surviving spouses of service members who died in the line of duty or from service-connected causes (specific rules apply).
Final eligibility is determined by the VA. For official eligibility criteria and to request your Certificate of Eligibility (COE), visit VA.gov. Tom will help you understand the process and what documentation you'll need.
What Makes the VA Program Different
No Down Payment Required
For eligible borrowers, VA loans do not require a down payment. This is a core program benefit — though specific situations (like jumbo amounts or second use of entitlement) can change the picture.
No Private Mortgage Insurance
VA loans do not require private mortgage insurance (PMI), even with no down payment. A one-time VA funding fee applies; Tom explains how it works and who is exempt.
Competitive Terms
VA loans typically come with terms specifically designed for eligible borrowers. Tom will compare options against your situation honestly — no pressure either way.
Reusable Benefit
VA loan benefits can be reused over a lifetime under certain conditions. If you've used a VA loan before, we can help you understand what entitlement you have remaining.
Helping Florida Veterans for 27+ Years
Tom has helped Florida veterans navigate VA loans for over 27 years — from understanding eligibility, to gathering the Certificate of Eligibility, to closing on the right home.
- 27+ years originating VA loans in Florida.
- Licensed statewide. Homesite Mortgage originates loans in Florida only.
- Tom personally explains the funding fee, entitlement, and what your COE shows.
- Tracy handles processing and closing — including the documentation specific to VA loans.
Start Your VA Loan Prequal
Tom reviews every submission personally and typically follows up within 1 business hour.
Start My Free Prequal →Or call us directly: 321-751-4403 · tcloans1@gmail.com