Your VA Loan. Our Expertise. — The Coluccio Group
Meet the Team
VA Loan Specialists

Your VA Loan.
Our Expertise.

You served. Now let your benefit work for you. The Coluccio Group helps veterans and active military across Central Florida use their VA loan with zero down and zero guesswork.

Call (321) 381-5888
$0
Down Payment Required
No PMI
Ever, On Any VA Loan
Lower
Rates Than Conventional
Reusable
Benefit For Life
Why Work With Us

We Know VA Loans Inside & Out

The Coluccio Group has worked alongside Veterans United Realty to serve military families across Central Florida — and we bring that experience to every veteran we represent.

🎖️

VA Loan Certified Experts

Our agents are trained in VA loan guidelines, entitlement, and funding fee structures — so nothing surprises you at closing.

🏠

Zero Down Strategy

We help you leverage your full VA benefit to purchase with no down payment, keeping your savings intact for life after closing.

⚡

Fast Pre-Approval Support

We connect you with trusted VA-approved lenders who move quickly — so you can compete confidently in any market.

📋

Entitlement Guidance

Whether it's your first or second VA loan, we'll walk you through remaining entitlement, restoration, and bonus entitlement options.

🔍

VA Appraisal Expertise

VA appraisals have specific requirements. We know what conditions to expect and how to negotiate repairs on your behalf.

🤝

Veterans United Realty Partner

As part of the Veterans United Realty network, we receive a steady referral pipeline of pre-qualified VA buyers — and pass that value to you.

Step By Step

How VA Home Buying Works

From Certificate of Eligibility to keys in hand — here's what to expect at every step.

1
Obtain Your Certificate of Eligibility (COE)
Your COE confirms your VA loan entitlement. We help you request it through the VA's eBenefits portal or your lender handles it directly.
2
Get Pre-Approved With a VA Lender
We introduce you to VA-savvy lenders who understand entitlement, residual income, and funding fee exemptions — not just conventional underwriting.
3
Tour Homes That Meet VA Standards
We pre-screen properties for VA Minimum Property Requirements so your appraisal doesn't derail the deal after you're already under contract.
4
Write a Competitive VA Offer
Some sellers hesitate on VA offers. We know how to position yours so it competes — and we advocate for you through negotiation.
5
VA Appraisal & Inspection
The VA appraiser confirms value and property condition. We manage repair negotiations and keep the timeline on track.
6
Close & Celebrate
VA loans close just like conventional loans — but with $0 down and no PMI. We'll be there every step, and we'll be there after.
VA Loan Fast Facts

Numbers That Matter to Veterans

90%

of VA borrowers would use the VA loan again

$0

down payment on most VA purchase loans

400K+

VA loans closed in 2023 alone

2.15%

typical first-use funding fee (waived for many disabled veterans)

Alexa Jo Coluccio and Craig Finzel

Alexa Jo Coluccio & Craig Finzel

Team Leads | Realtor®

Alexa Coluccio and Craig Finzel, leaders of The Coluccio Group with Atrium Realty, LLC, are committed to delivering a personalized and client-focused real estate experience. Known for their dedication, clear communication, and strong market knowledge, they work tirelessly to help buyers, sellers, and investors navigate the real estate process with confidence.

With a special focus on serving Veterans and active military members through VA loan programs, as well as guiding first-time homebuyers through one of life's biggest milestones, Alexa and Craig take pride in being trusted advisors every step of the way.

Ready to Use Your VA Benefit?

You've earned it. Let The Coluccio Group help you make the most of it. Call us today for a free, no-obligation conversation about your VA loan options.