FDIC-Insured
- Backed by the full faith and credit of the U.S. Government
To report a lost or stolen debit card please call 1.888.577.0404 during normal operating hours. After hours, please call 1.800.500.1044 immediately or access www.visa.com
Our Bank Routing and Transit Number is: 063114661
You will be linking to another website not owned or operated by Cogent Bank. Cogent Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Cogent Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Cogent Bank.
If you "Proceed", the link will open in a new window.
You are leaving Cogent Bank and going to Cogent Private Wealth, a boutique advisory firm offering comprehensive financial planning and investment management services. Some of their products are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK; and MAY LOSE VALUE.
If you "Proceed", the link will open in a new window.
Please note that by clicking on this email address, you are leaving the Cogent Bank website and accessing an external email platform. Cogent Bank has no control over the content of any communications contained within this platform and cannot be held responsible for any information exchanged. We caution users to be careful when sharing any personal or sensitive information via email, as it may be intercepted or misused by third parties. By using this email platform, you accept full responsibility for any risks that may arise from its use.
If you "Proceed", the link will open in a new window.
Our easy-to-use financial tools can help you simplify your
decision-making process and make sound financial choices.
Mortgage
Qualifier
Mortgage
Refinance
Mortgage
Payoff
More
Calculators
At Cogent Bank, we are proud to partner with the Federal Housing Administration (FHA), US Department of Veteran’s Affairs (VA) and the US Department of Agriculture to provide low and/or no down payment options to our customers. Guaranteed by the FHA, VA and USDA, these loans offer more flexible borrowing terms and qualifications, making homeownership more accessible and affordable.
FHA mortgages are popular among first-time homebuyers with limited funds for down payments, but available to all borrowers. While requiring an upfront fee (Mortgage Insurance Premium). The benefits of an FHA loan include:
VA mortgages are available for retired and active service members and their spouses who meet eligibility requirements. Similar to FHA loans, VA loans require an upfront fee (Funding Fee). The benefits of a VA loan include:
USDA mortgages provide affordable financing opportunities for low-income borrowers looking to purchase a home in designated rural areas. Similar to FHA & VA loans, USDA loans require an upfront fee (Guarantee Fee). The benefits of a USDA loan include:
We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.
Cogent Bank’s NMLS# 402296
Our team makes the process simple and easy. Connect with a Loan Originator to learn more about our FHV, VA & USDA mortgage options.
FHA, VA, and USDA home loans are government-backed mortgage programs designed to make homeownership more accessible. FHA loans are popular with first-time homebuyers and those with lower down payments, VA loans are available to eligible veterans, active-duty service members, and qualifying spouses, and USDA loans help eligible borrowers purchase homes in designated rural areas. Each program has different eligibility requirements, benefits, and fees.
The right mortgage depends on your financial situation, military service, property location, and homeownership goals. FHA loans offer flexible credit and down payment requirements, VA loans provide eligible borrowers with no down payment options, and USDA loans can help qualified buyers purchase homes in eligible rural communities with no down payment required. Speaking with a Cogent Bank mortgage professional can help determine which program best fits your needs.
FHA loans may allow qualified borrowers to purchase a home with a down payment as low as 3.5%, making them an attractive option for buyers who have limited funds available upfront. FHA loans also offer flexible income and credit qualification requirements compared to many conventional loans.
For eligible borrowers, VA home loans generally do not require a down payment. They also offer competitive interest rates and may allow the VA Funding Fee to be rolled into the loan balance, reducing upfront costs.
VA home loans are available to eligible active-duty military members, veterans, certain National Guard and Reserve members, and some surviving spouses. Eligibility is determined by the U.S. Department of Veterans Affairs based on military service requirements.
A USDA home loan is a government-backed mortgage program designed to help eligible low-to-moderate-income borrowers purchase homes in qualifying rural areas. USDA loans feature competitive interest rates and may not require a down payment for qualified applicants.
Qualified USDA borrowers can often finance 100% of a home’s purchase price, meaning no down payment is required. USDA loans also allow eligible borrowers to finance the program’s Guarantee Fee into the loan balance.
No. While FHA loans are commonly used by first-time homebuyers, they are available to qualified repeat buyers as well. VA and USDA loans are also available to eligible borrowers who meet each program’s specific requirements, regardless of whether they’ve owned a home previously.
Yes. Depending on the loan program and your eligibility, refinancing options may be available with limited or simplified qualification requirements. Your Cogent Bank mortgage lender can help determine which refinance option is appropriate for your situation.
Each program has its own costs. FHA loans require Mortgage Insurance Premiums (MIP), VA loans typically require a Funding Fee, and USDA loans include a Guarantee Fee. In some cases, VA and USDA fees may be financed into the loan amount to reduce upfront expenses.
Your mortgage lender will explain the documentation required during the application process. Depending on your loan program, this may include income verification, tax documents, bank statements, identification, employment information, and other financial records needed to evaluate your application.
Yes. Government-backed mortgage programs are generally intended for owner-occupied primary residences, although eligibility requirements vary by program. Your mortgage lender can help determine whether the property you wish to purchase qualifies.
Cogent Bank offers experienced residential mortgage professionals throughout Florida who provide personalized guidance throughout the home financing process. Whether you’re purchasing your first home or exploring government-backed loan options, the team can help you understand your choices and navigate the application process.
Before applying for a mortgage, it’s helpful to estimate your buying power based on your income, monthly expenses, and expected down payment. Cogent Bank offers online mortgage calculators that can help estimate affordability, monthly payments, refinancing savings, and mortgage payoff scenarios.
Getting started is simple. Contact one of Cogent Bank’s Residential Mortgage Loan Originators to discuss your goals, review available loan programs, and begin the application process. A lending specialist will help you determine which mortgage option best fits your financial needs.