Built for eligible veterans, active-duty service members, and qualified military families. Zero down payment, no PMI, competitive rates.
What it is
VA loans are guaranteed by the U.S. Department of Veterans Affairs and offered by approved private lenders. They are one of the most powerful loan programs in the country — zero down payment, no monthly mortgage insurance, and rates that are typically among the lowest available.
Florida has the third-largest veteran population in the U.S., and Andrew Kashella is committed to helping qualified veterans, active-duty service members, and military families across Pinellas County, Greater Tampa, and all of Florida use the benefit they earned.
Who it's for
A few signs this program might be a strong fit. Even if you don't see yourself in this list, reach out — Andrew works with over 100 lenders and there's likely an option that fits.
Key Features
100% financing — you can purchase a home with no down payment.
Zero monthly mortgage insurance — saves $100–$300+ per month vs. FHA or low-down conventional.
VA loan rates are typically among the lowest of any program.
Many VA lenders work with credit scores down to 580–620.
Sellers can pay all of your closing costs (with concession limits).
You can use your VA loan benefit multiple times throughout your life.
Frequently Asked
Generally: 90 consecutive days of active service during wartime, 181 days during peacetime, 6 years in the Reserve or National Guard, or you're the spouse of a service member who died in the line of duty. Andrew can help you confirm eligibility and pull your Certificate of Eligibility (COE).
A one-time fee paid to the VA, typically 2.15% for first-time use and 3.3% for subsequent use, financed into the loan. Veterans receiving disability compensation are exempt.
Yes. The VA loan benefit is reusable. You can have multiple VA loans active at once if you have remaining entitlement.
There are no longer VA loan limits for veterans with full entitlement — you can borrow as much as a lender will approve, with zero down.
Andrew Kashella is here to help you compare options, understand the numbers, and figure out if this program is the right fit for your situation.
Andrew Kashella — NMLS #139171 | Innovative Mortgage Services, Inc. — NMLS #250769
Loan programs are subject to borrower qualification, credit approval, and property eligibility. Not all applicants will qualify. Additional terms and conditions may apply. Interest rates and loan programs are subject to change without notice. This is not a commitment to lend or extend credit.