VA Purchase or Cash Out Refinance to 100% LTV

Mortgage and Lending with Bay to Bay Lending

VA loans don’t require any down payment at all. Aside from the veteran's certificate of eligibility and the fact that the appraiser is assigned by VA, the application process is not much different than any other type of mortgage. 

Bay to Bay Lending is approved for automatic processing and a buyer's loan can be processed and closed by the lender without waiting for VA's mortgage approval of the credit application or for VA to review the appraisal. Bay to Bay Lending is able to use VA recognized automated underwriting systems, such as Loan Prospector and Desktop Underwriter, to facilitate the underwriting process.


1. Apply with Bay to Bay Lending, LLC for the loan @

2. We pull your Certificate of Eligibility 

3. Decide on a home to buy and sign a purchase contract

4. We order appraisal and title work 

5. Close the loan and move in.

* Cash Out Refinance to 100% Loan to Value

Contact me with any questions to get started on your VA loan at 813-480-6077


 A Little Bit About Me
Thanks for visiting my siteMy name is DJ Rondeau, and I am a Mortgage Loan Originator at Bay to Bay Lending, in Tampa, Florida, and serving Active Military and Veterans all over the State of Florida.

I make my living helping Active Military people as well as Veterans. There are many ways in which to qualify to use this wonderful program. Too many people are misinformed about this program, and I am here to make sure that you are told the "straight facts".

My direct office number is (813) 489-2493 and my mobile phone is (813) 480-6077.   You can call me, evenings or weekends, no problem. I will try my best to answer your call 7 days per week to help you. Remember, "it doesn't cost a penny to talk". Give me a call right now, and I will answer all of your questions. 

Whether you are a Prospective Client or a Realtor, I hope this article has given you some insight on what is possible for VA Loans.


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