VA Loans

You Served. Now It’s Our Turn to Serve You.

VA loans offer zero down, no PMI, and some of the best rates around — exclusive to veterans, active-duty service members, and surviving spouses.

VA loans are a powerful benefit for those who’ve served.

With no down payment, no private mortgage insurance, and ultra-competitive interest rates, they’re often the most affordable path to homeownership. Whether you’re a veteran in DeBary or an active-duty family in Altamonte Springs, we’ll help you use the benefits you’ve earned.

How it works

Step 1

We verify your VA eligibility and Certificate of Eligibility (COE).

Step 2

We review your financial picture and discuss your home goals.

Step 3

We match you with top VA-approved lenders offering excellent rates.

Step 4

You find your home — and we handle the paperwork.

Step 5

You close with no down payment and no PMI.

Who It's For

  • Veterans and active-duty military members


  • Reservists and National Guard members (with qualifying service)


  • Surviving spouses of service members



  • Those looking to buy, build, or refinance a home

VA Loans FAQs

  • Do I need a down payment for a VA loan?

    Nope — that’s one of the biggest perks. VA loans require zero down in most cases.

  • Is there a VA funding fee?

    Yes, but it can be rolled into your loan — and in some cases, it’s waived entirely (especially for disabled veterans).

  • What credit score do I need?

    The VA doesn’t set a minimum, but most lenders prefer a score of 620 or higher. That said, we work with flexible lenders for those close to the mark.

  • Can I use a VA loan more than once?

    Yes! As long as you have remaining entitlement or have repaid a previous VA loan, you may be eligible again.

  • Can I refinance my current mortgage with a VA loan?

    Absolutely. VA IRRRL and VA cash-out refinance options are both available — we’ll help you choose the right one.

Why Acceptance Mortgage Solutions?

Honoring the legacy of Pfc. Rocco Pisani, Rocco Pisani’s father, who served bravely during World War II.


We understand the ins and outs of VA loans — and we handle them with the respect and precision they deserve. From DeLand to Longwood, we’ve helped service members across Central Florida navigate the VA process with clarity, speed, and appreciation.


Benefits You Can Expect


  • $0 down payment
  • No monthly private mortgage insurance (PMI)
  • Lower interest rates than many conventional loans
  • Flexible credit and income requirements
  • Reduced closing costs and fees
An elderly woman in an apron is standing in a greenhouse.

Ready to take the next step?

You earned these benefits — now let’s put them to work. Whether you’re buying your first home or refinancing to save, we’ll guide you through every detail.