Jenn Davida

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Giving Back

One Closing At A Time

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Military Benefits

Valuable benefits designed to help service members and their families.

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VA Home Loans

VA Home Loans

Salute Our Soldiers Military Loan Program for Florida Homebuyers*


• 100% financing available
• No first-time homebuyer requirement
• 3%, 4%, and 5% forgivable DPA at a 0% interest rate option over a 5-year term
• FL Assist Second Mortgage Program provides funds up to $7,500 at 0% interest in the form of a 30-year, fixed-rate second mortgage. Assistance may be applied towards closing costs, mortgage insurance premiums, or as a principal reduction to the first mortgage.
• FL Homeownership Loan Program

Do You Qualify?


• Must be a US veteran or active duty servicemember
• Must be purchasing a primary residence in the state of Florida
• Must meet income and purchase price limits
• Must qualify for a first mortgage
• Must successfully complete a homebuyer education course

*VA loan program only available in Florida. Please check with your lender as availability is subject to change.

What is a VA Loan?

A $0 down mortgage option offered to Service Members, Veterans and select military spouses is known as VA loan. Private lenders such as a bank or company issue the loan and U.S Department of Veterans Affairs (VA) guarantees it.

The VA home loan program was started in 1944 by the U.S government to help returning service men in purchasing houses without having to need an excellent credit or down payment. Since its inception, the VA loan program has guaranteed over 25 million VA loans to veterans and active duty military members purchase or refinance a house.

Today, VA mortgages are more important than ever. A huge number of military buyers and veterans are finding it difficult to get a home financed because financiers have tightened their regulations due to Recession and the pandemic.

In the last decade alone, VA loans program has proven to be a lifeline for active military and veteran homebuyers facing higher down payment and credit score requirements.

Types of VA Loans

There are several types of VA loans and each one is discussed below:

  1. VA purchase loan

The standard new purchase loans allow military members and veterans to buy a new home without having to make any payments. This is the most important benefit of the VA loan program.

  1. VA cash out refinance loans

This loan program allows you to have 100% access to your home’s equity. Maybe you want to make any home improvements, pay off a credit card debit or just replenish your savings accounts for a future purchase. Using the VA cash out program you have more borrowing power than conventional, FHA or USDA loans. FHA offers access to 85% and conventional 80%, whereas VA cash out gives you 100% equity in your home.

  1. VA IRRRL

Interest rate reduction refinance loan (IRRRL) also known as “VA streamline” is a loan program designed for active military members and veterans using which you don’t need to provide any income documentation, nor do you need to get an appraisal.

  1. VA renovation and home improvement loans

In April of 2018, VA made an update to their VA renovation and home improvement loan program. With this update, you can update the home you own or are intending to buy.

Unique Benefits and Special Features of VA loans

  • Shorter Time Period: Most loan programs on the market require you to wait for at least 3 to 4 years before you qualify for another loan after a major credit event like foreclosure or bankruptcy. The VA loans program has a waiting period of just 2 years.
  • Buying a Second House with Zero Down Payment: Military members might need to get relocated on a moment’s notice therefore VA loan programs offer you the option to buy a second home without making any down payment. There is not always time to put the house on the market or your house’s value has suddenly dropped so low that it makes more sense to keep it and rent it out. For such cases, a VA loan can be very crucial.
  • Renovate Your House Without Any Equity: Using the VA loan program, you can get up to 100% of the “after-improved” value of the house which means you can get all the renovations done without having to take a personal loan or use any credit cards.

Documentation Required to Qualify for a VA Loan

Here is a list of all the documents that you need in order to qualify for a VA loan:

  1. DD214: When you get discharged, retire or separate from the armed forces, the United States Department of Defense issues DD Form 214 to all the veterans. A certificate of eligibility confirming your eligibility for VA loan will be issued using this form.
  2.  Statement of service letter: If you are still an active duty personnel, you will need to produce a service letter showing your current ranking and posting.
  3.  NGB 22, retirement points summary: National Guard veterans or Retired military reservists need form NGB 22 or a retirement points summary to check whether you are eligible or not. In this case, you will not be issued a DD214 because it is only issued for regular military forces.
  4. Certificate of eligibility: This form states your home benefits as well indicate whether you are eligible for funding fee waiver.
  5.  Proof of pension: You will also receive some paperwork from VA when you decide to retire. This letter outlines your monthly benefits as well as any lifetime benefits that you might receive.
  6. Proof of service related disability: VA form 26-8937 is required by the lender in order to confirm the amount of any or all benefits that you receive from your disability.
  7. Paystubs/W2s: Just like any other loan, if you are employed, you need to provide W-2s to show your income. In case you are self-employed you need to provide tax returns for the last two years.

Bottom Line

With all the benefits offered by the VA loan, there does not seem to be any reason why a veteran should opt for any other type of loan. There is some hectic paperwork involved but an efficient VA loan provider will process your application in about the same time as any other loan requires.

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CLIENT REVIEWS

  • Zillow 5 Star Review  Jenn Davida is by far the best realtor in our market area. I foregoed the lowest commission offered to us to ensure we got the best experience and lots of... read more clear communication. We are 200% satisfied with the process and Jenn's results. If you want a pleasant experience and best result, I'd strongly recommend Jenn Davida.

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    zuser20170219141859154
    January 12, 2022
  • Zillow 5 Star Review  Jenn was amazing to work with when purchasing my new home. She was so helpful with every detail and was always available for questions. The home even closed a few... read more days early.

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    Caroline Turke
    September 3, 2021
  • Zillow 5 Star Review  Jenn Davida secured us our perfect home during the craziest market ever! She was able to answer every question we had quickly and accurately, she guided is through our... read more aggressive negotiations with grace and confidence which helped us land our dream home in the area we needed to be in. Professional, kind and connected. There are not enough kind words to express our gratitude for her help.

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    Mary Miller
    July 28, 2021
  • Zillow 5 Star Review  This is the second property that I've bought leveraging Jenn's real estate prowls! I literally contacted Jenn at 9PM at night when I saw a listing on the market in... read more the specific neighborhood we were looking at and she managed to squeeze me into her schedule to view the house the next day. I had an offer prepared that night and was already in a bidding war! Jenn helped me to craft a competitive offer and when I snoozed on my counteroffer in time, she helped convince the seller to make me the formal backup offer. It worked out because we ended up going under contract! You would think it would be smooth sailing from there but we hit several roadblocks during the inspection period and Jenn was a google master trying to find experts to advise us for each issue we uncovered. When our appraisal came in significantly less than we felt should be the right value, she gave me different strategic advise for how to move forward. In the end we were able to close on the house that my husband and I are in LOVE with just in the nix of time before welcoming our first baby. While this was my experience with buying this specific home, the reason I continue to use Jenn is because she is a bubbly personality, super professional, and makes herself available to help her clients achieve their goal (whether selling or buying). If you want an agent that is fighting for a house as if it was her own...than Jenn is your gal. If you want an agent that will entertain all of your questions, no matter how stupid....than Jenn is your gal. If you want an agent that will give you 200% when you're giving 100%...than Jenn is your gal. If you are looking for an agent to sell or buy a home, please do not look further than Jenn. I've used her, my friend has used her, and my cousin has used her....clearly it goes to show that we are all fans and she has managed to help each of us find our dream home. I already plan on using Jenn to sell my condo!

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    Valarie Mahabir
    April 17, 2021
  • Zillow 5 Star Review  I’ve dealt with Jen, and it’s hard to find a better Agent than the Jen in the Tampa market these days. She has been able to answer all my questions... read more without having to wait days or weeks to get an accurate response. She always connect me with the contacts needed to get closer to my investing goals. I Appreciate you so much. and wish you many more successes.

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    parsa11495
    March 16, 2021
  • Zillow 5 Star Review  Jenn is the consummate professional! She was with me every step of the way! She truly cares about her clients & their needs/wants! Utilizing her knowledge and experience led me... read more to the perfect hone. Nobody works harder than Jenn!

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    bcorley55
    January 28, 2021
  • Zillow 5 Star Review  Jenn was with me for all the steps of purchasing a new construction home. During the construction process we stayed in touch even though it was not much to... read more discuss. Still, it's nice to know somebody is there looking out for your interests. She was there during the walkthrough to help point out the imperfections that needed to be corrected. She was at closing to review the paperwork and explain exactly what I was signing. Jenn is generally easy to reach but if she's busy she never fails to get back to you and communication with her is very easy.

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    mthornak
    January 22, 2021
  • Zillow 5 Star Review  Jenn gave me honest advice and guidance on my home sell. She is a true professional that believes in telling people about the entire picture and process. It is a... read more wonderful experience to sell a home with Jenn because she makes herself available for questions and concerns, provides detailed instructions on the steps moving forward, does an excellent job negotiating and provides the best support team available. The professional photographer that she hired was amazing and they were able to get beautiful pictures of the home. Jenn Davida is a real gem!

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    zuser20140427051520200
    December 11, 2020
  • Zillow 5 Star Review  Jenn Davida is one of a kind..she is personable, knowledgeable, patient and kind. We are so.grateful to her for making our home buying and selling dreams come true. Thank you... read more Jenn for being you!!!

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    misslondont
    November 19, 2020
  • Zillow 5 Star Review  Five Star Realtor! My wife and I selected Jenn Davida to list a lakefront property in Citrus Park, that we planned to build a custom home on. Jenn implemented a... read more solid marketing strategy, negotiated offers, and closed the deal at the full listing price in less than ninety days! She is dedicated, detail-oriented, and driven. We highly recommend Jenn Davida for your real estate solutions.

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    zuser20160924101425168
    November 7, 2020

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