What is VA Financing?

VA Financing is a government-guaranteed loan program offered by the U.S. Department of Veterans Affairs (VA) to military service members and their families. The VA doesn’t lend the money, rather they guarantee the loan made by your lending company.

Benefits of VA Financing

The biggest benefit of VA financing is there is absolutely no downpayment requirement. If you qualify for this loan, you can receive 100% financing for the purchase of your primary residence. You also will not have to pay Private Mortgage Insurance (PMI), and there is no prepayment penalty for paying the loan off early.

Disadvantages of VA Financing

If you choose this type of loan, you will be required to pay a VA Funding Fee (unless you have a disability rating of 10% or greater), which you would not have with any other type of loan. However you are able to roll this into the loan financing, so you do not need to pay with cash up front. You also would not be able to use VA financing for a second home or an investment home, as it is intended for primary residences only. The benefits for this type of financing far outweigh the disadvantages, so if you are eligible, talk to your loan originator today.

Ready to Get Started?
Call our offices at
904-338-9356 to talk to a loan originator today.
Ready to Get Started?
Call our offices at 904-338-9356 to talk to a loan officer today.
MEET YOUR LOAN Originators


"We have been working with Atlantic Trust Mortgage over the past decade and Scott continues to exude professionalism at the highest level. Scott delivers exceptional customer service to our customers every time. Great communication, fast response time, and his endless optimistic attitude is why we recommend Scott to anyone we team up with in the real estate business.”

– The Welch Team

“Wade is a leader in the mortgage industry. His top priority is the customer always. He can be reached seven days a week and He is incredibly Knowledgeable about the market trends. Wade goes above and beyond to ensure the customer is kept up to date and understands the entire process through to the closing table. Hands Down, Wade is my go to guy both professionally and personally for all of my lending needs!“ 

– Bailey Jordan, Realtor with Navy to Navy Homes

"Marty with Atlantic Trust Mortgage has been an absolute pleasure to work with. He is a responsive and experienced mortgage veteran who gets the job done, no matter how difficult the transaction. I highly recommend Marty as a preferred lender.”

– Jon Brooks, The Brooks Group

“Wade is my go-to lender for all my buyer customers.  All it takes is a few minutes on the phone with Wade, and you'll see why.  He's extremely knowledgeable and a true pleasure to work with, from start to finish.   Unlike many lenders who work for the big banks, he is always available via text/email/phone.  He treats my customers with respect and makes sure that they understand the process.  He is an all-around awesome guy and I recommend him with 5 stars!!!” 

– Whitney Spinks, Realtor with Yellowfin Realty

"Friendly, knowledgeable, and responsive.  Wade and his team have demonstrated over and over again that they can make it happen! As Realtors, it’s important to us to work with a lender who is as equally as dedicated to providing quality service to our customers. Thank you, Atlantic Trust Mortgage, for your dedication to quality and efficient service!"

– Joy Doyle & Lara Yehl, Co-Founders of Hover Girl Properties

“Wade is the best, hands down. Wade is quick, responsive, and eager to help every client referred to him. He has multiple mortgage options to provide you with the lowest rates available. I work with Wade to provide his new clients with insurance, from a locally owned agency.  I am honored to call Wade a friend and business partner.”

– Chris Crafton, Agency Owner of We Insure

"We would like to thank you for all your help and professionalism during the entire Post transaction. You're both amazing professionals and it's always a pleasure working with your team! Our goal is to continue acquitting real estate in Jacksonville area and are already looking forward to working with your team on our next investment deal.Please know that we value your service and will be happy to send more business your way."

– Evelyn and Kyle

“I have yet to see any lender beat ATM’s rates!  When I first started in real estate I went through 7-8 different mortgage companies before finding Atlantic Trust Mortgage.  Every lender before would mess something up by not doing enough research on the front end and the transactions would blow up in our face weeks before closing.  That has NEVER happened with Atlantic Trust!  They are very reliable and have amazing rates!!  Thank you to Scott Goldstein and the entire team at Atlantic Trust Mortgage for helping many of my customers and for helping me with my business as a realtor!”

– Alex Norkus, Realtor with Keller Williams

I worked closely with Kyle for a home loan on my first rental property in Jacksonville, FL. He was very supportive and easily accessible, especially when it came to very last minute issues that had to be resolved. I would receive a fast response on any questions I had and provided solutions to loan issues that arose.  I thank Kyle for putting up with my inquiries and am very thankful for his guidance throughout the loan process. I intend to work closely with him on my next rental property and I’m sure Kyle will be ready to make things happen so that my loan closes on time and per schedule so I’m overall successful with the rental deals I try to close. Again, I am very thankful and look forward to working with Kyle again. Thank you for helping me close that deal.

– Christopher M., Real Estate Investor from Monterey Bay, California