VA Home Loans in Florida
A benefit earned through service, for eligible active-duty service members, veterans, and certain surviving spouses.
If you have served, a VA loan can make homeownership more reachable. For eligible borrowers, these loans often come with no down payment and no monthly mortgage insurance. We will help you confirm your eligibility and walk you through every step.
What Is a VA Home Loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs, available to eligible active-duty service members, veterans, and certain surviving spouses. For eligible borrowers, VA loans often require no down payment and carry no monthly mortgage insurance. Eligibility depends on service history and a valid Certificate of Eligibility, which we can help you request.
VA Loan Benefits
No down payment for eligible borrowers
Many eligible active-duty service members and veterans can finance a home with no down payment at all.
No monthly mortgage insurance for eligible borrowers
Unlike many conventional loans, VA loans generally do not charge monthly mortgage insurance for eligible borrowers.
Flexible credit guidelines
VA loans generally allow more flexibility on credit than many conventional programs, though approval still depends on your full file.
A benefit you can often use again
There is generally a funding fee, which may often be financed into the loan, and eligible veterans can generally reuse this benefit for future home purchases over a lifetime.
VA Refinance Options: IRRRL and Cash-Out
If you already have a VA loan, an Interest Rate Reduction Refinance Loan (IRRRL), often called a VA streamline refinance, is designed to help eligible veterans move to a lower interest rate, move from an adjustable or variable interest rate to a stable fixed one, or shorten your loan term, generally with less paperwork than a standard refinance and frequently without a new appraisal or income verification. The VA also offers a cash-out refinance that can let eligible borrowers use their home equity. Whether either option makes sense depends on your current loan and your goals, and we will run the numbers with you honestly.
Not sure which fits? Our general refinance page walks through the broader options and our calculators can help you compare.
Who Is Eligible for a VA Loan?
Eligible active-duty service members who meet the minimum service requirement, verified through your DD Form 214 (DD-214).Eligible veterans who meet the service and discharge requirements.Certain eligible surviving spouses of an eligible veteran who died in service or from a service-connected disability.A valid Certificate of Eligibility (COE) is required to confirm eligibility before closing.We can help you request your COE if you do not already have one.
Eligibility depends on your specific service history, so the best way to know where you stand is to let us check it with you. Your DD-214 Form, your Certificate of Eligibility, and the lender’s full credit review still determine the final outcome of loan approval.
How It Works
Tell Us Your Goal
Tell us about your service history and what you're looking to buy in Florida.
Get Pre-Approved
We help you request or confirm your Certificate of Eligibility and get you pre-approved.
We Handle Underwriting
Once you are under contract, we submit your file and guide it through underwriting.
Close With Confidence
We coordinate the appraisal, any VA-required inspections, and closing so you can move into your new home.
Run your numbers first
Free calculators, dictionary, and guides.