VA Loans on the Cheap!

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The Lowdown on VA Loans...

VA Loans

Our VA Loan Rates Are Low & Our Process is Respected

Thank you for your service Veterans.  A VA loan is guaranteed by the VA – Veterans Affairs similar to an FHA loan.  The rate options are best among all loan options and debt to income ratio is most flexible than any other.

We’re here to make the VA home loan process simple, we will help guide you along the way, starting with our FREE VA Loan Qualifier.

A mortgage specialist will send out a couple of estimate for review and you can choose which one will help best suit your financial goals.

The VA Loan Process

Here’s how our home loan process works:

  • Complete our simple VA Loan Qualifier
  • Receive loan options based on your purchase scenario
  • Compare mortgage interest rates and length of terms
  • Choose the offer that best fits your needs and goals

Why a VA Loan?

VA offers very high debt to income ratios up to 60% that we can offer. There is a no down payment benefit along with no mortgage insurance as well.  There is however typically a VA funding fee but please contact our mortgage specialist to determine if you are exempt from you DD-214 and COE.

  • Fixed Rates
  • Adjustable Rates (ARM)
  • Low Down Payments
  • Jumbo & Super Jumbo Loans
  • Terms from 10 to 30 Years

Get Your FREE VA Loan Quote Now!

What Our Clients Are Saying

Han Fan
Han Fan

01:46 21 Mar 19

Me and my wife apply for mortgage back in August 2018.. the process is really smooth. very knowledgeable and willing to explain. Fast response time. I would give more than 5 star if I could.

Keith U
Keith U

16:03 14 Mar 19

Hands down the best mortgage broker in Jacksonville. Using Carbon Capital we were able to prequalify and place a bid on our first home in a matter of hours. Andrew went out of his way to explain everything and make sure we understood the mortgage process in simple terms. Casey and Kelly were able to answer all of our questions. They even answered our emails during the weekend and outside office hours. That is great customer service!

Rebecca Richey
Rebecca Richey

15:14 09 Jan 19

We have had an amazing experience working with Andrew, Casey and Kelly with Carbon Capital. They have been on top of everything to ensure we have had a very smooth closing. We are so pleased with their response time and professionalism throughout this entire process. Great job!! Thanks!!

Nicole Coburn
Nicole Coburn

11:07 16 Nov 18

Andrew/Kelly/Ross all gave exceptional performances during our home buying process. I highly recommend Carbon Capital if you are in the market. They made buying our home a breeze. The processes that they have in place are seamless and easy to use and give full details of everything that you may have a question about. Always promptly returned phone calls and took real patience and care which is outstanding with my anxiety through the whole thing. Thanks for everything you do. Client for life.

Susan Brennan
Susan Brennan

07:37 11 Oct 18

If you're in the market to purchase a home, I highly recommend Carbon Capital. We received professional and timely answers to our many questions and scenarios. Kelly is just the epitome of patience and very knowledgeable with regard to all types of mortgages. Being somewhat of a "commitment-phobe," the idea of a 30-year mortgage really drove my anxiety during the home buying process. It was reassuring to know that any questions or concerns would be quickly addressed by Kelly or Andrew with either a phone call, e-mail, or text. The personal service we received was second to none. In the end, I believe we got the best available rate and terms and found the entire process quite seamless thanks to Carbon Capital.

Stephen Sapp
Stephen Sapp

12:36 04 Oct 18

I've bought, sold, and refinanced houses over the years a number of times. I've never had the mortgage process go smoother than it had with Carbon Capital. Andrew and Kelly are fantastic! They explain everything in plain english. They're extremely responsive to questions via email or telephone. When I buy, sell, or refinance in the future, I won't have to do any shopping around; I will just make a call to Carbon Capital. Thanks Andrew and Kelly!!!