Apply for an FHA ,VA, or USDA Loan in Florida | Cogent Bank

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Personal Banking      Borrowing      FHA/VA/USDA Home Mortgages

FHA, VA & USDA Home Mortgages

Looking for a mortgage option with low down payment requirements?

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Understanding FHA, VA, and USDA Loans

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 Home Loans 

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:  

  • Competitive interest rates 
  • Down payments as low as 3.5% 
  • More flexible income and credit requirements 
  • Low monthly Mortgage Insurance Premium fee 
  • No maximum income restrictions 
  • Ability to refinance with limited or no requalification

VA Home Loans 

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: 

  • Competitive interest rates 
  • No down payment required 
  • More flexible income and credit requirements 
  • Option to roll Funding Fee into the loan balance and reduce upfront costs
  • Ability to refinance with limited or no requalification

USDA Home Loans

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:

  • Competitive interest rates 
  • No down payment required 
  • More flexible income and credit requirements 
  • Option to roll Guarantee Fee into the loan balance and reduce upfront costs

How Do I Apply for an FHA, VA, or USDA Home Loan?

We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.

Meet the Residential Lending Team

Cogent Bank’s NMLS# 402296

Kimen Rush Allen
Kimen Rush Allen Mortgage Loan Officer
NMLS #2056779
Location: Orlando
Randy Butler
Randy Butler VP, Residential Production Support Manager
Location: Orlando
Lisa Dubiel
Lisa Dubiel VP, Portfolio Lending Relationship Manager
NMLS #1319424
Location: Orlando
Raphael Espejo
Raphael Espejo Residential Sales Manager
NMLS #1397225
Location: Orlando
Keith Hamilton
Keith Hamilton Senior Residential Mortgage Loan Originator
NMLS# 378623
Location: Sarasota
Sean Martin
Sean Martin VP, Residential Lending Manager
NMLS# 324281
Location: Sarasota
Tim Pollard
Tim Pollard VP, Residential Lending Manager
NMLS# 554005
Location: Orlando
Jack Robb
Jack Robb Senior Residential Mortgage Loan Originator
NMLS# 422434
Location: Tampa
Brandon Roth
Brandon Roth EVP, Residential Lending
Location: St. Petersburg
Jason Scott
Jason Scott Senior Residential Mortgage Loan Originator
NMLS# 690802
Location: Orlando

Apply for an FHA, VA, or USDA with Cogent 

Our team makes the process simple and easy. Connect with a Loan Originator to learn more about our FHV, VA & USDA mortgage options.  

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