Serving Military Families Across the Emerald Coast

Your VA Home Loan
Benefit — Put To Work.

Zero down payment. No PMI. Competitive rates. Based in Pensacola and serving the entire Florida Emerald Coast — from Perdido Key to Destin — I specialize in helping active duty, veterans, and military families use their hard-earned VA benefit to buy or refinance.

0% Down — keep your savings where they belong
No Private Mortgage Insurance (PMI)
Streamlined process — fast closes for PCS timelines
VA IRRRL refinancing to lower your existing rate
Local Emerald Coast expertise, personal service

Apply for VA Purchase Loan Lower My VA Rate (IRRRL)

Steven Michael
Dell'Aria Jr.

Mortgage Loan Originator

One Real Mortgage
Pensacola, FL

NMLS #2305327

What brings you here?

How can I help you today?

🏡

I want to buy a home

Use your VA benefit to purchase a home anywhere on the Emerald Coast with zero down payment and no PMI. PCS buyers welcome.

Start my VA purchase →

📉

I want to lower my rate

Already have a VA loan? The VA IRRRL (streamline refinance) can reduce your rate with minimal paperwork and no appraisal.

Check my IRRRL savings →

VA Loan Advantages

Why the VA Loan Benefit
Is Unlike Any Other

💰

$0 Down Payment

One of the only loan programs that allows qualified borrowers to purchase with zero down — no catching up on savings required.

🚫

No PMI Required

Conventional loans charge PMI until you hit 20% equity. VA loans never require it, saving you hundreds per month.

📊

Competitive Rates

VA loans consistently offer some of the lowest interest rates available because they're backed by the U.S. government.

🔒

Limited Closing Costs

The VA limits the fees lenders can charge, keeping your out-of-pocket costs at closing low.

🔁

Reusable Benefit

Your VA entitlement can be restored and reused — it's not a one-time benefit. Buy, sell, and use it again.

🤝

Flexible Credit Standards

VA guidelines are more forgiving than conventional loans, making homeownership accessible for more veterans and service members.

VA Purchase Loans

Buy Your Emerald Coast Home
With Zero Down

Whether you're PCS'ing to NAS Pensacola, retiring on the Gulf Coast, or a veteran putting down roots from Pensacola Beach to Destin — I'll guide you through every step with a fast, transparent process built around your timeline.

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Fast Pre-Approval Get your Certificate of Eligibility and pre-approval letter quickly — competitive offers start here.
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PCS-Friendly Timelines I understand military move schedules. I'll work within your orders to close on time.
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Local Market Knowledge Pensacola, Gulf Breeze, Navarre, Fort Walton Beach, Destin, 30A — I know the Emerald Coast market inside and out.
✓

I Shop Rates So You Don't Have To Unlike a bank that only offers their own products, I work with multiple lenders — so I find you the best VA rate and terms available.

🏅

The Real Buyer Credit — Up to $1,500 at Closing

Buy with a Real Agent and finance through One Real Mortgage and you may qualify for up to $1,500 credit applied directly at closing. Contract must be signed by June 30, 2026 and loan funded by September 30, 2026. Ask me how to make sure your transaction qualifies.

Start My VA Pre-Approval

Who Qualifies?

VA Loan Eligibility

★

Active Duty Service Members 90+ continuous days of active service.
★

Veterans Honorable or general discharge after meeting service requirements.
★

National Guard & Reserves 6+ years of service or 90 days active duty under Title 10.
★

Surviving Spouses Un-remarried surviving spouses of veterans who died in service or from a service-connected disability.

Not sure if you qualify? Call or text me — I'll check your eligibility for free.

VA IRRRL

Already Have a VA Loan?
You May Be Leaving Money on the Table.

The VA Interest Rate Reduction Refinance Loan (IRRRL) — also called the VA Streamline Refinance — is one of the fastest, simplest ways to lower your monthly mortgage payment. If rates have dropped since you bought, this could save you hundreds every month.

📋

Minimal Paperwork

The IRRRL requires far less documentation than a standard refinance. No full underwriting in most cases.

🏠

No Appraisal Required

In most cases, no home appraisal is needed — speeding up the process and reducing costs.

💵

Roll Costs Into Loan

Closing costs can typically be rolled into the new loan — no out-of-pocket expense required.

⚡

Fast Closing

Streamlined process means faster closing than a traditional refinance — often in 30 days or less.

Check My IRRRL Savings

Get Started Today

Ready to Take the Next Step?

🏡 VA Purchase Loan

Fill out this quick form and I'll reach out within 24 hours to discuss your options.

Full Name *

Phone Number *

Email Address *

Branch of Service

Current Status

Estimated Home Budget

Buying Timeline

Anything else I should know?

By submitting this form, you expressly consent to be contacted by Steven Dell'Aria Jr. (NMLS #2305327) at One Real Mortgage by phone call, text message, and/or email regarding your mortgage inquiry, even if your number is on a Do Not Call registry. Message and data rates may apply. This consent is not a condition of purchase. Your information will never be sold to third parties.

📉 VA IRRRL — Lower My Rate

Already have a VA loan? Let's see how much you could save with a VA Streamline Refinance.

Full Name *

Phone Number *

Email Address *

Current Interest Rate (approx.)

Approximate Loan Balance

Property Location

What's your main goal?

Questions or comments?

Simple Process

What to Expect Working With Me

📞

Step 1

Free Consultation

We talk through your goals, timeline, and eligibility. No pressure — just clarity on what your VA benefit can do for you.

📄

Step 2

Pre-Approval in 24 Hours

I pull your Certificate of Eligibility and run your pre-approval fast — so you can make competitive offers with confidence.

🏡

Step 3

Close & Move In

I guide you through every step — from contract to closing — with clear communication the whole way. You never wonder what's happening next.

Your VA Home LoanBenefit — Put To Work.