By Gilbert Bennett The VA home loan is a significant financial benefit for eligible service members and veterans and, in my experience, the most misunderstood mortgage product. Veterans walk into my...
VA
Can You Assume a Seller’s 3% Mortgage? What VA and FHA Assumptions Really Look Like
By Gilbert Bennett You're scrolling listings in Tampa Bay and one line stops you cold: assumable VA loan, 2.75%. After years of watching rates sit well above that, it reads like a typo. It isn't....
VA Loan Entitlement Restoration: How to Use Your VA Benefit a Second or Third Time
If you used your VA loan to buy your first home in the Tampa Bay area, you may be wondering whether that benefit is gone for good. The good news is that it usually isn't. You can use your VA home...
Florida Hometown Heroes 2026: Who Qualifies, How Much, and Why Pre-Approval Has to Come First
The down payment for first-time home buyers in Florida is the wall a lot of buyers hit first. That is the exact problem Florida's Hometown Heroes Program seeks to solve by offering down payment and...
How Your Student Loans Affect Your Ability to Buy a Home
Yes, you may be able to buy a house while carrying student loan debt. Student loans do not automatically disqualify you from getting a mortgage. However, your monthly student loan obligation can...
Why Every Veteran Should Apply for a VA Disability Rating: It Could Save You Thousands
By Gilbert Bennett I talk to many service members and Veterans about their VA home loan benefits, and one thing comes up repeatedly: people leave money on the table without realizing it. Sometimes...
How to Finance Multi-Family Rentals: A Florida Buyer’s Guide
By Sam Wax and Steven Hochak Buying a two-to-four-unit property in the Tampa Bay area can feel like a bigger leap than buying a single-family home. Here's the good news: financing multi-family...







