Purchase or Refi...Call Ry the Mortgage Guy
Florida VA Home Loans for Veterans and Active Duty
Not sure how VA eligibility works or what you can afford? We’ll break down funding fees, credit and income guidelines, and the documents you need so you can move forward confidently.
Apply TodayNo-hassle, No-obligation. Your info is safe, and you’re in control.
Our Florida Lending Advantage
Fast
Lending Approvals
Low Rates
Some of the lowest rates anywhere
98%
would recommend us
No-Obligation
free, no-hassle conversation
What Is a VA Loan?
A VA loan in Florida is a $0 down mortgage option for Veterans, active Service Members, and select military spouses. VA loans are issued by private lenders and guaranteed by the U.S. Department of Veterans Affairs, giving qualified military buyers access to flexible credit requirements and no down payment.
For many Florida military buyers, VA loans are the easiest path to homeownership, especially when conventional lenders require higher credit scores or large down payments.
VA Loan Requirements in Florida
To qualify for a VA loan in Florida:
- Minimum 620 credit score
- Eligible properties: single-family homes, townhomes, and condos in Florida
- Maximum 60% debt-to-income ratio
Florida VA loans make buying a home easier, even if credit or savings aren’t perfect.
VA Loan Limits in Florida
Most Florida VA buyers can purchase a home up to $832,750 with $0 down.
- If your loan exceeds $832,750, a VA Jumbo Loan may be an option
- Limits vary for high-cost counties and are updated annually
VA Funding Fees
VA loans come with a funding fee that can range from 0.5% to 3.3% depending on:
- Whether it’s your first VA loan or a subsequent use
- Down payment amount
- Disability status
The funding fee can be rolled into the loan amount. Disabled Veterans are often exempt.
Florida VA Loan Rates
VA interest rates are competitive nationwide, but finding the best Florida VA rate matters. A lower rate can save hundreds per month and thousands over the life of the loan.
We compare VA loan options for you to ensure you get the lowest rate possible in Florida, whether you’re buying your first home or refinancing.
Is a VA Loan Right for You?
VA loans in Florida are ideal for:
- Veterans and active-duty Service Members
- Buyers with limited savings
- Those who want no down payment and flexible credit guidelines
- Military spouses using their VA benefit
If you’re eligible, a VA loan is often the easiest, most cost-effective way to buy a home in Florida.
Talk With a Florida VA Loan Specialist
Licensed Florida Mortgage Loan Originator
Serving Florida Veterans and Military Homebuyers
Frequently Asked Questions About VA Loans in Florida
Who qualifies for a VA loan in Florida?
VA loans are available to eligible active-duty service members, veterans, and in some cases surviving spouses who meet VA eligibility guidelines. Florida borrowers typically prove eligibility by obtaining a Certificate of Eligibility, often called a COE. If you are not sure whether you qualify, we can help you confirm eligibility and outline the fastest path to a Florida VA pre-approval.
Do VA loans in Florida require a down payment?
Many Florida VA borrowers can purchase with little to no down payment, depending on entitlement and the purchase price. That said, you still need to plan for closing costs and prepaid items like homeowners insurance and property taxes, and in some areas flood insurance may apply. We can estimate your cash-to-close and monthly payment based on your target price and location.
What is the VA funding fee, and can it be waived?
The VA funding fee is a one-time fee that may apply to a VA loan, and it helps keep the program available for future borrowers. Some Florida borrowers may be exempt, depending on their VA disability status or other qualifying factors. We can review your eligibility and show how the funding fee, if applicable, impacts the loan amount and monthly payment.
Can I use a VA loan in Florida for a condo?
Sometimes, yes, but VA condo financing depends on condo project eligibility. Florida condos can involve extra review of the association, insurance, and documentation, and not every building will qualify for VA financing. If you share the condo name or address, we can help you confirm whether VA financing is likely to work, and what alternatives exist if it does not.
What VA refinance options are available for Florida homeowners?
Florida VA homeowners may have options to refinance depending on their goals, such as lowering the rate, changing the loan term, or accessing equity. The right refinance path depends on current rates, the home's value, and how long you plan to keep the property. We can run a quick comparison showing estimated payment changes and break-even timelines.
Disclaimer: VA loan programs, lender overlays, rates, and underwriting guidelines can change without notice. For the most up-to-date VA loan requirements in Florida and a personalized eligibility and pre-approval review, please contact us.