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Compare va loan specialists in Panama City. Review contact information and insurance categorys before you decide.
18 agents listed
Updated May 2026
Panama City, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Florida before hiring.
Showing 18 va loan specialists in Panama City, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Advance America
619 W 23rd St, Panama City, FL 32405
8508736162
Allegiant Lending Firm
3535 E 3rd St, Panama City, FL 32401
8504818085
Panama City Beach VA Clinic
2600 Veterans Wy, Panama City, FL 32408
8506367000
Madison Shaver- Mortgage by Madison
3707 W 23rd St, Panama City, FL 32405
8507718013
Lindsey Chapman at CrossCountry Mortgage
55 W 5th St, Panama City, FL 32401
8506287447
Tonya Anderson at Homeowners Financial Group USA, LLC
97 Oak Ave, Panama City, FL 32401
3345966158
Guild Mortgage - Kathy Hallmon
3208 W 23rd St #2, Panama City, FL 32405
8503811833
Oasis Mortgage LLC
3707 W 23rd St, Panama City, FL 32405
8502500865
Florida's VA Mortgage Center
97 Oak Ave, Panama City, FL 32401
7277774999
Florida's VA Mortgage Center
97 Oak Ave, Panama City, FL 32401
7277774999
Ryan Boody at Guaranteed Rate Affinity (NMLS #1053658)
4408 Delwood Ln Suite 28, Panama City, FL 32408
8504453899
Bay County Veterans Services
840 W 11th St, Panama City, FL 32401
8502488280
Taelor Messer at CrossCountry Mortgage
55 W 5th St, Panama City, FL 32401
8508908812
Tonnye Stapp
2131 St Andrews Blvd, Panama City, FL 32405
6788985673
Lindsey L Hall - Regions Mortgage Loan Officer
469 W 23rd St, Panama City, FL 32405
8508665400
Brad Burrow - Regions Mortgage Loan Officer
469 W 23rd St, Panama City, FL 32405
8503486416
Capital City Home Loans
10000 Panama City Beach Pkwy, Panama City, FL 32407
8503917375
New American Funding - Panama City
4412 Delwood Ln, Panama City, FL 32408
8502044571
VA loan specialists in Panama City Florida help veterans active duty service members and eligible surviving spouses obtain home financing with no down payment. Florida law provides additional property tax exemptions for veterans with service-connected disabilities which can affect overall home buying costs. These specialists guide clients through the VA appraisal process and local market conditions specific to Bay County.
What Does a VA Loan Specialist in Panama City Cost?
VA loan specialist fees in Florida typically range from 0.5% to 1.5% of the loan amount as an origination fee. The VA funding fee for first-time use is 2.15% of the loan amount for regular military and 2.4% for Reserve or National Guard. This fee is reduced for subsequent uses. Some costs like appraisal fees usually run 500 to 700 dollars in Panama City. Note that all costs vary by lender loan type and borrower circumstances. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a VA loan specialist in Panama City Florida?
A VA loan specialist is a mortgage professional who focuses on loans backed by the US Department of Veterans Affairs. They help borrowers understand eligibility requirements gather necessary documentation and navigate the closing process. In Panama City they are familiar with local property values and flood zone requirements.
Do I need a Florida specific VA loan certificate?
No you do not need a Florida specific certificate. You need a valid VA Certificate of Eligibility which is issued by the VA regardless of state. However Florida law requires all mortgage loan originators to be licensed through the Florida Office of Financial Regulation.
How long does a VA loan take to close in Panama City?
A typical VA loan closing takes 30 to 45 days. Delays can occur if the property requires repairs to meet VA minimum property requirements. In Panama City flood zone determinations and windstorm insurance requirements may add time to the process.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.