VA Loans

✅ Overview

A VA loan is a government-backed mortgage program designed to help eligible
U.S. veterans, active-duty service members, and surviving spouses
purchase or refinance a home. Backed by the U.S. Department of Veterans Affairs, this loan offers zero down payment, no PMI, and flexible guidelines.

👤 Who It’s For

Active-duty military members
Veterans (with Certificate of Eligibility – COE)
Surviving spouses of veterans (unremarried)
National Guard and Reserve (with qualifying service)

📋 Minimum Requirements

Requirement VA Loan Guidelines

Down Payment $0 required for eligible borrowers

Credit Score Typically 580+ (may vary by lender)

Debt-to-Income Up to 50% DTI (higher with strong residual income)Property Type Primary residence only (1–4 units)

Occupancy Must occupy the home within 60 days

VA Funding Fee 0.5%–3.3% (waived for many disabled vets)

✅ Benefits

💰 No down payment required
🚫 No monthly mortgage insurance (PMI)
📉 Lower interest rates than conventional
🔁 Streamlined refinance options (IRRRL)
✅ Flexible credit and income standards
🛠️ May be used to buy, build, or improve a home

⚠️ Limitations

Must be used for primary residence
VA Funding Fee applies unless exempt
Not available for non-veteran co-borrowers (unless spouse)
Condo purchases require VA approval

📝 Required Documents

DD-214 or Certificate of Eligibility (COE)
Government-issued ID
2 years of W-2s or tax returns
2 months of bank statements
Recent pay stubs or LES (for active-duty)

❓ FAQs

Q: Do I need perfect credit to qualify for a VA loan?

No — VA loans are flexible and may accept credit scores starting around 580–600 depending on the lender.

Q: Can I use a VA loan more than once?

Yes — your VA entitlement can be restored if the previous loan is paid off, or partial entitlement may still be available.

Q: Are VA loans only for first-time buyers?

No — VA loans can be used multiple times and for both purchases and refinances.

Q: Can I use a VA loan to buy a multi-family home?

Yes — up to 4 units, as long as you live in one of them as your primary residence.

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# WHAT'S YOU EXPECT

Find the Right Loan Program for Your Goals

Whether you’re a first-time buyer, investor, or self-employed, we offer flexible solutions to match your needs and lifestyle.

FHA Home Loan

Low down payment, flexible credit requirements. Ideal for first-time homebuyers.

Commercial Property Loan

Financing for office buildings, retail spaces, multi-units, and warehouses. Flexible terms for business owners and investors.

Fix & Flip Loan

Short-term financing for investors renovating and reselling properties. Fast approvals, asset-based.

Foreign National Loan

Designed for non-U.S. residents buying U.S. property. No U.S. credit or income required.

Bank Statement Loan

Qualify using 12–24 months of deposits — perfect for self-employed borrowers.

DSCR Loan for Investors

Use rental income to qualify. No tax returns or W-2s required.

VA Loan (Veterans)

Zero down payment options for qualified veterans and active military.

# ABOUT US

Trusted Mortgage Expertise. Personalized Service.

GDM Mortgage Corp is built on the belief that getting a mortgage should be simple, honest, and tailored to you. Led by Heriberto Santiago, we’ve helped families and investors across Florida close loans with confidence — even in complex scenarios.

Heriberto Santiago NMLS #1274038

Bilingual service (English & Spanish)

25+ years of mortgage experience

# CHOOSE YOUR SERVICE

Popular Home Loan Options

Conventional Loan

Ideal for buyers with strong credit and income. Great rates and flexible terms.

Minimum 620 credit score

Standard W2 and income docs

Great for purchases & refinances

MORE INFO

HELOC – Access Your Equity

Use your home’s equity for renovations, debt consolidation, or large purchases.

Borrow only what you need

Revolving credit line

Lower monthly payments

MORE INFO

FHA Loan (Low Down Payment)

Backed by HUD, FHA loans offer low down payments and flexible credit guidelines.

Credit scores from 580+

3.5% minimum down

First-time buyer friendly

MORE INFO

VA Loan

For eligible veterans, active-duty service members, and surviving spouses. No down payment, no PMI, and flexible credit guidelines.

No down payment required

No private mortgage insurance (PMI)

Perfect for purchase or streamline refinance (IRRRL)

MORE INFO

USDA Loan

Designed for rural and suburban buyers with low-to-moderate income. 100% financing with reduced mortgage insurance.

Zero down payment available

Lower monthly mortgage insurance

Must meet income & location eligibility

MORE INFO

Common FAQs

What credit score do I need to qualify?

Most loans require 580–620. We offer flexible options for lower scores too.

Can I apply if I'm self-employed?

Yes — our bank statement and non-QM programs are built for self-employed borrowers.

How fast can I get pre-approved?

In most cases, same day — with our AI pre-screening and team support.

How much do I need for a down payment?

As low as 3.0%-3.5% with Conv Home Ready, FHA. VA and USDA may allow zero down.

Have any more questions?

Meet Vanessa –

Your Mortgage AI Assistant

Hey, I'm Vanessa!

I’m here 24/7 to answer your mortgage questions, guide you through pre-qualification, and help you get matched with the right loan program — fast.

Whether you're a first-time buyer, investor, or self-employed, I’ll ask a few smart questions and connect you with what fits best.

Instantly answers questions for loan types like FHA, DSCR, Bank Statement & more.

Get Pre-screened 24/7

Connect with your loan advisor

YOUR LOAN ADVISOR

HERIBERTO SANTIAGO

Principal Loan Officer, Advisor, Consultant

NMLS # 1274038

Testimonials

People Love Us

"Heriberto and his team made buying a house such an easy process with no issues at all. I can honestly say this was a scary experience as a first-time buyer but with the guidance and knowledge Heriberto displayed I couldn't express how much satisfaction I have with the outcome; from start to finish it was a great experience. Highly recommended, friendly, courteous, knowledgeable and actually listens to what you want."

– J. Delgado

"100% recommended. In the month of May we began to talk with several agents and brokers, it was a very bad experience since they all tell you yes and when they see that they can spend a little work they forget about you and even stop calling you to the point that in the month July I regretted it and decided to end the process and wait for next year. In the month of August, speaking with a friend, he referred to Heriberto Santiago and GDM, it was totally different, from the first moment we began to talk, he offered me many alternatives. The most surprising thing is that the next day he called me with a work plan and willing to start the process, which none of the previous ones did. Communication with him and his team was excellent. They actually fight for the client, they fought for my loan and in 3 months I was able to buy and close on my house. GDM are actually the best, professionalism, human quality and excellent service. Thank you Heriberto, I and my family thank you for having our home today."