VA approved; Iconic Mortgage Corp – NMLS #1547953. Not affiliated with the Dept. of Veterans Affairs or any government agency.

VA refinance mortgage Miami Fort Lauderdale Florida

2.75% (2.949% APR) RATES 15 YEARS TERM
Find out which new VA benefits you are missing out on in 2017.
See if you Qualify for an Escrow Refund check up to $5,000
VA Home Loans Benefits:
  • culito 0 Down loans
  • culito No cash out of pocket
  • culito Qualify within 24hrs
  • culito Escrow refund check up to 5k


What is your branch of service?

Where is your home located?

What is your price range?

What is your ZIP code?

What is your email address?

What is your name?

What is your current street address?

What is your phone number?


We Will Contact You Shortly!

What is your branch of service?

Lower Rates, Better Service. That’s the Iconic Difference

97.8% Customer Recommendation Rating!

4.7 out of 5 Average Customer Satisfaction Rating

VA refinance mortgage Miami Fort Lauderdale Florida

VA refinance mortgage Miami Fort Lauderdale Florida

VA refinance mortgage Miami Fort Lauderdale Florida

As a veteran, you were made aware of many of the benefits available to you, like health care, money for your education, and preferential hiring for certain jobs, during your transition. However, these benefits are not automatic. VA refinance mortgage Miami Fort Lauderdale Florida

In many cases, you will have to invest time and effort before you can receive benefits, or you may find yourself in a situation where you are denied benefits that you believe you are rightfully entitled to. Refinance mortgage Miami. The process of applying for and receiving benefits can be very long and difficult, and therefore many veterans do not take advantage of their benefits at all. With the right information, you can make sure that you are one of the veterans who gets the benefits they are entitled to.

Also, there are benefits available through the federal government that is meant to take care of your family if anything should happen to you, including resources to help your family say goodbye without incurring significant costs and with the support of the military community. VA refinance mortgage Miami Fort Lauderdale Florida

Benefiting from Benefits. Refinance mortgage Miami.

Many veterans have served their country with courage and integrity and wholeheartedly identify with the title “veteran”. Refinance mortgage Miami. But what some veterans may not know is that with this title they might be eligible for countless benefits. Being aware of what you’re entitled to and how to receive these benefits as a retired military person is imperative. VA refinance mortgage Miami Fort Lauderdale Florida

The definition of benefit is simply something that is advantageous or good. Refinance mortgage Miami. This is true for those interested in their benefits as a veteran (and sometimes even their spouses and dependents, too). Refinance mortgage Miami. Though sometimes an arduous procedure, this discussion will help smooth the process and provide step-by-step advice on how you can start benefiting. VA refinance mortgage Miami Fort Lauderdale Florida

Getting Familiar with the Benefits You Deserve. Refinance mortgage Miami.

A surprising amount of veterans is unaware of what benefits they’re eligible for. Refinance mortgage Miami. A major reason for this is because, after completion of their time in the military, they’re not sent home with guidelines on what they’re authorized to receive and how to get it. Instead, it is up to each veteran to understand the different benefits and eligibility criteria, what materials they need to collect in order to apply for the benefits, and finally what government agency to contact regarding the benefits.

Know the Benefits You’re Entitled To. Refinance mortgage Miami.

When talking about veterans and their benefits, there’s no uniform definition of what constitutes a veteran. In fact, due to changes in Congress over time, certain benefits can require changing criteria in order to qualify. Refinance mortgage Miami. Therefore, knowing what benefits exist, if you’re eligible, and how to receive them, are tremendously important. Once you’ve discovered the benefits you’re capable of receiving, knowing which government agency distributes the benefits and how to go about getting them is just as important. Refinance mortgage Miami.

Some benefits require a minimum length of service time as a requirement, while other benefits are accessible after just one day of service. Refinance mortgage Miami. Some benefits entail particular conditions be met, such as a disability as a result of active-duty.

Obtaining benefits from time spent in military service requires work from you to provide the necessary, pertinent information in order to be considered for eligibility. Refinance mortgage Miami. Providing the proper government agencies with details like when, where, and the length of your time in the service are mandatory.  Refinance mortgage Miami. There are benefits you can get through an honorable discharge, but many benefits are still available with a general discharge, as well as other types of discharge.

Breaking Down Benefits. Refinance mortgage Miami.

VA refinance mortgage Miami Fort Lauderdale Florida

VA refinance mortgage Miami Fort Lauderdale Florida

Some benefits are well-known, like medical care and disability compensation, but learning about all of the benefits available can be exciting for you and your family members. Refinance mortgage Miami.

Other benefits you may not be familiar with include:

Particular loans accessible to open small businesses. Refinance mortgage Miami.

Free or low-priced medical care. Refinance mortgage Miami.

Programs enabling veterans in getting a university degree or vocational training. Refinance mortgage Miami.

Job placement programs. VA refinance mortgage Miami Fort Lauderdale Florida

Programs that can help during retirement in finding a place to live. Refinance mortgage Miami.

Shopping and travel advantages. Refinance mortgage Miami.

Free headstones as well as memorial and burial benefits. Refinance mortgage Miami.

Services pertinent to surviving family members. Refinance mortgage Miami.

Understanding Eligibility. Refinance mortgage Miami.

A veteran may ask for a particular benefit and be denied because of lack of eligibility, even if they meticulously follow these instructions and fit the criteria. Still worse, a veteran might ask for a benefit before reading this information and be denied, resulting in them giving up. VA refinance mortgage Miami Fort Lauderdale Florida

The Department of Veteran’s Affairs (VA) uses a specialized terminology and response in their rejection letters that can sometimes be misleading. Mortgage Miami. This has changed since September 2008, when Congress passed a law requiring the VA to employ simple, standard language when rejecting a benefit claim. Mortgage Miami.

The bigger issue, however, is that when the VA rejects a claim it might not mean that the veteran is ineligible, but simply that the correct paperwork was not provided.  Mortgage Miami. One option can be to appeal and, conveniently, there’s a federal court set up just to hear appeals for veterans’ benefit claims. Mortgage Miami.

Meeting Health Care Needs. Mortgage Miami.

Most veterans are eligible for health care through the Department of Veteran’s Affairs (VA) or the Department of Defense (DOD). With respect to status and annual income, health care isn’t always free of charge for veterans but nonetheless are of high importance in determining health care costs. VA refinance mortgage Miami Fort Lauderdale Florida

Fortunately, the VA’s health care program is aimed at meeting and exceeding basic medical needs for veterans, regardless of whether or not they have sustained an injury during service. Mortgage Miami.

With the health care program provided by the VA, veterans are entitled to preventative care such as:

Examinations. Mortgage Miami.

Vaccinations. Mortgage Miami.

Primary care. Mortgage Miami.

Emergency care. Mortgage Miami.

Hospitalizations. Mortgage Miami.

Surgeries. Mortgage Miami.

Mental health care. Mortgage Miami.

Counseling services. VA refinance mortgage Miami Fort Lauderdale Florida

Additionally, some veterans could be eligible for free eyeglasses, hearing aids, and dental services. Mortgage Miami. With the VA health care program, the government is obligated to pay travel expenses to receive medical care in some situations.

The DOD offers a separate health care program called Tricare for a certain kind of veteran known as a military retiree. Mortgage Miami. Military retirees are able to receive the VA’s health care services as well, but with Tricare, they have a few more options unavailable through the VA. One great bonus of Tricare is that it is available to immediate family members as well. Mortgage Miami.

Tricare is not accessible for all veterans mainly because a service of 20-plus years is required. Mortgage Miami.

Monthly Payments. Mortgage Miami.

Millions of veterans qualify for a direct deposit payment each month, while those who have a disability or medical condition caused or exacerbated by their military service may qualify for a special payment. Which is called disability compensation? VA refinance mortgage Miami Fort Lauderdale Florida

The VA judges the seriousness of the disability by rating them on a scale of 10 percent to 100 percent. Other influences, such as the veteran’s number of dependents, are also considered. VA refinance mortgage Miami Fort Lauderdale Florida

Currently, the minimum monthly payout for disability compensation is $117 while others, depending on the severity of their condition and dependents, can receive more than $7000.  Mortgage Miami. Veterans with only one day of service who are conclusively disabled or veterans with no service-related disabilities may still qualify for compensation. In fact, one day of service for a veteran who is disabled or over the age of 65 with a low income can result in a VA pension. VA refinance mortgage Miami Fort Lauderdale Florida

By fulfilling a 20-plus year career in the military, veterans can receive monthly retirement payments for the rest of their lives. Mortgage Miami. In some cases, it’s possible to retire before 20 years of service and ex-spouses may be entitled to a portion of military retirement pay. VA refinance mortgage Miami Fort Lauderdale Florida

Memorial Benefits and Care for Surviving Loved Ones. Mortgage Miami.

Numerous life insurance programs are available to surviving family members of military personnel who supported their loved ones’ duties during service. These life insurance programs are available only to veterans and as part of the criteria. Their family members may be eligible for medical care, pensions, and education benefits as well.

Memorial and burial benefits consist of:

Free burial series

Free markers and headstones

Reimbursement for funeral/burial expenses

Free national and state veterans’ cemeteries

Military funeral honor carried out by a military honor guard

Education Benefits

In 2008, a new GI Bill was created called the GI Bill of the 21st Century, eligible to many veterans who have served active duty service after September 11, 2001. The GI Bill has gone through many variations since World War II, but the GI Bill of the 21st Century is vastly changed.

If a veteran exited the military before September 2001, a GI Bill program, in one form or another, may still be applicable. However, expediency is best when researching this GI Bill, as there is a time limit on how long you have to use it. VA refinance mortgage Miami Fort Lauderdale Florida

Alternatively, if a veteran is not eligible for education benefits under the GI Bill, they could still be able to attend university or acquire vocational training. The courses are paid for by the government, provided they have a disability sustained during their service that hinders them from obtaining employment. VA refinance mortgage Miami Fort Lauderdale Florida

Employment Through Benefits Programs

Some veterans are eligible for special hiring preference if working for federal government positions and most veterans are eligible for additional credibility when contending for federal positions. Actually, the federal government is the single largest employer in the country, employing over 1.8 million people.

Another assistance through this program is also available. For example, veterans hoping to own their own business are aided by the Small Business Administration, helping them receive preferential treatment and reduced interest rates for small business loans guaranteed by the federal government. VA refinance mortgage Miami Fort Lauderdale Florida

Benefits for Potential Homeowners

If a veteran is eligible for the VA Home Loan Program, the government doesn’t lend any money, it guarantees the loan, which makes it far easier to obtain a loan and purchase a home. That is if a veteran takes a loan through the VA Home Loan Program and defaults, the government pays off the loan to a certain amount. Veterans are actually advantageous for particular mortgage lenders since the loan — one way or another — is paid back.

The federal government is also in charge of two retirement homes for veteran enlisted members.

Travel and Shopping Advantages

Loads of shopping and discount opportunities are available to military retirees, as well as other types of veterans. Savings of up to 30 or 40 percent are available while shopping on military bases or through the military exchange system’s internet sites.  Many veterans are eligible for military travel benefits like free flights, discount luxury condominium rentals, Armed Forces Recreation Centers, and overnight stays in military hotels. VA refinance mortgage Miami Fort Lauderdale Florida

The overwhelming majority of service members and veterans receive lower interest rates with the VA home loan program over traditional mortgages. This is thanks to the financial backing given by the Department of Veterans Affairs as the loan guarantor, which allows lenders to assume less risk and in turn, provide lower interest rates. VA refinance mortgage Miami Fort Lauderdale Florida

If you’d like to find a qualified VA Loan specialist near you, visit our Specialists page.

How will a lender decide a borrower’s interest rate?

There are several factors involved in determining the interest rate of a loan, including:

Ratio of debt-to-income

Current conditions of the housing market

A borrower’s credit score

Duration of loan (15 years, 20 years, 25 years, or 30 years)

A good credit score will nearly guarantee you a lower interest rate. This is again due to the risk a lender is assuming in financing the loan. Like before, though, thanks to the federal government guaranteeing the mortgage, most borrowers will still see a lower interest rate even if their credit isn’t perfect.

What steps need to be taken to secure an interest rate?

The first thing you’ll need to do is find the house. Once you’ve located your future residence, your next step is to enter into a contract with the seller(s). That’s when your VA home loan lender will be able to determine your interest rate. Their underwriters are going to want to look over the loan as well as know your estimated closing date.

You don’t have to wait until entering into a contract to start the process, though. Visit our Specialist page to talk with a qualified VA mortgage specialist in your area who can help walk you through the process and get you on the path to homeownership.

What is the benefit of signing up with a Veterans Authority specialist?

Getting an interest rate as low as possible is important for your long-term financial health. There are private lenders who attempt to gain your business by initially telling you that to qualify for an extremely low-interest-rate is practically guaranteed. This is hardly the case as super low-interest rates are usually very tough to qualify for.

The specialists on our site have been vetted and have demonstrated a knowledge of the VA Loan process and a track record of setting realistic expectations from the beginning.  VA refinance mortgage Miami Fort Lauderdale Florida

Speak with a Home Loan Specialist today

Contact us: (888) 352-9005 

AbbevilleAshvilleBessemerCentreville, Daphne, Livingston, Monroeville, OneontaRainbow CitySpringvilleAlamedaLos ÁngelesMonterrey, Pasadena‎, San FranciscoSan José, Santa Bárbara‎, Long Beach‎, Orange, Palm Springs, Colorado Springs‎ Denver‎Central CityFort LuptonLouisville, WestminsterDelaware CityHarrington, Lewes, New CastleRehoboth BeachWilmington, MilfordCoral GablesDoral, Fort LauderdaleHialeah‎Homestead‎, JacksonvilleMiami Beach, North Miami Beach‎, Orlando‎, South MiamiAthens, Boston, ColumbusGeorgetown, Kennesaw, Doraville, Aberdeen, Cambridge, College Park, FrederickGaithersburgHagerstown, Seat PleasantWestminsterAnn Arbor‎, Algonac, Bay City, BrightonCharlotte, Croswell, Farmington, Albemarle, BelmontClinton,  Greenville, Kings MountainLexington, Morganton, Oxford, Washington, Wilmington, Winston-SalemAdair Village, Adrian, Astoria, Banks, Brownsville, Central Point, DallasGold BeachJacksonville, McMinnvilleAllentownBethlehemBradfordGreensburg, JohnstownPittston,  Warren, Adams, Baneberry,  Brownsville, Clarksville, Dayton,  Elkton,  Germantown, Hendersonville, Kingsport, MadisonvilleMitchellville New HopePortland, Virginia, Washington 

Ready to Apply? Get Started With Your VA Home Loan Today!