Apply right now, schedule a call, or talk to a loan officer. VA benefits only work if you use them, let's put yours to work.
Same destination, a real pre-approval letter that lets you make competitive offers. Three ways to get there.
The full VA application takes 10-15 minutes. Most files get a same-day decision, and we can pull your Certificate of Eligibility directly.
Secure portal hosted by PRMG. Opens in a new tab.
Pick a 30-minute slot that works for you. We'll review your entitlement, walk through the funding fee, and tell you whether VA is the right fit before you fill anything out.
30 minutes, no commitment.
Talk to a licensed loan officer right now. We work with veterans, active duty, and surviving spouses every week.
Average wait under 60 seconds.
VA loans are backed by the Department of Veterans Affairs and built for veterans, active-duty service members, National Guard, Reservists, and eligible surviving spouses. They offer 100% financing with no monthly mortgage insurance, and since 2020 there are no loan limits for borrowers with full entitlement. The funding fee is the one tradeoff, and veterans with a service-connected disability of 10% or higher are exempt entirely.
Still researching? Read the full VA loan guide
VA eligibility is built around service. Here's the standard checklist. If most of these apply to you or a spouse, you're a strong candidate. If you're unsure about any of them, we can check your Certificate of Eligibility in minutes.
Have these handy before you start the online application or jump on a call. Anything you don't have, we can request directly from your command, employer, or bank during processing.
A current driver's license, state ID, or passport for every borrower on the loan.
DD-214 if you've separated, or a statement of service plus current orders if you're still active duty or in the Guard or Reserves.
Civilian pay stubs if you're out, Leave and Earnings Statements if you're active duty. We need the most recent full month of earnings.
All accounts you'll use for closing costs, reserves, or funding-fee buy-down. Big deposits need a paper trail.
Monthly minimums on auto loans, student loans, credit cards, and installment debt. VA weighs residual income heavily, so accuracy helps.
If you receive VA disability compensation, the award letter documents tax-free income we can use to qualify, and it confirms a funding-fee exemption at 10% or higher.
No black box. Here's the actual sequence after your application lands with our team, whether you came in online or scheduled a call.
We pull credit, request your Certificate of Eligibility from the VA, and run automated underwriting. You'll get a text or email confirming we have what we need or what's still missing.
If your file is clean, we issue a real VA pre-approval letter you can send to your agent and use on offers. If we need to dig in (Guard or Reserve time, disability rating, prior VA loan entitlement), we set up a call within 24 hours.
VA appraisal, underwriting submission, conditional approval, then clear to close. The VA appraisal can take a bit longer than conventional in some Florida counties, we plan around it so the closing date holds.
Florida is home to one of the largest veteran populations in the country, with major bases at MacDill, NAS Jacksonville, Pensacola, Eglin, and Patrick, plus retiree communities from the Panhandle to South Florida. That means plenty of local demand, active real estate agents who understand VA deals, and appraisers familiar with VA minimum property requirements.
Since 2020, borrowers with full VA entitlement have no loan limit. In practical terms, that means a veteran with full entitlement can finance a $700,000 home in Tampa, Orlando, or Miami-area counties with $0 down, as long as the home appraises and the income supports it. For buyers with partial entitlement from a prior VA loan, county-based caps still apply, and we'll run those numbers with you.
Florida-specific items like hurricane insurance, wind mitigation credits, flood zone status, and VA-approved condo project status all affect how a VA file moves. A Florida-based broker who closes VA loans every week will catch issues early, the kind of issues that trip up out-of-state online lenders at the appraisal stage and blow closing timelines.
Yes. Borrowers with full VA entitlement can finance 100% of the purchase price with no down payment required. You can put money down if you want, a larger down payment reduces the funding fee, but it's not required. The $0 down option is real, not a catch.
The VA funding fee is a one-time charge that keeps the VA loan program funded for future veterans. It ranges from about 1.25% to 3.3% of the loan amount depending on your service history, whether you've used a VA loan before, and your down payment. Veterans with a service-connected disability rating of 10% or higher are fully exempt. Most borrowers roll the fee into the loan balance rather than paying it at closing.
In most cases, we pull your COE directly from the VA within minutes of receiving your application. You don't need to track it down yourself. If the VA can't confirm eligibility automatically (some Guard or Reserve records take longer), we'll let you know what's needed to complete the request.
Yes. VA benefits can be used multiple times. If you've paid off your previous VA loan and sold the property, your entitlement is fully restored and you can use the program again with $0 down. If you still have an outstanding VA loan, you may have remaining entitlement for a second VA loan in certain cases. We'll check your entitlement when you apply.
Not for borrowers with full entitlement. Since January 2020, the VA eliminated loan limits for full-entitlement borrowers, so Florida buyers with full entitlement can finance at any price with $0 down as long as they qualify on income and credit. If you have partial entitlement remaining from a prior VA loan, county-based limits may apply, and we'll run those with you.
The VA itself does not set a minimum credit score. Individual lenders do. Most VA lenders accept scores in the low 600s, and we can work with scores below that on a case-by-case basis. Schedule a call and we'll pull credit and tell you exactly where you stand.
VA appraisals check for minimum property requirements: safety, soundness, and livability. In Florida that often means roof age, wind mitigation, well and septic condition, and active leaks or moisture issues. Our team screens these before you make an offer, which saves weeks of wasted contract time on a home that was never going to pass.
Yes, but the condo project has to be on the VA's approved list or eligible for approval. Florida has specific challenges here, especially post-Surfside structural integrity legislation. We check project status before you fall in love with a unit so you don't waste time under contract on a building that won't fund.
Principal, interest, taxes, insurance (PITI), and any HOA dues all factor in. VA has no monthly mortgage insurance, so the payment is typically lower than a comparable FHA or low-down-payment conventional loan. On a $400,000 VA loan in Florida at current rates, the all-in payment usually lands in the $2,900 to $3,400 range, depending on the county's tax rate and whether you carry hurricane and flood insurance.
Yes. VA allows 2-to-4-unit purchases with $0 down as long as you live in one of the units as your primary residence. Rental income from the other units can sometimes be used to help you qualify. It's one of the strongest house-hacking strategies available if you have VA eligibility.
Surviving spouses of service members who died in the line of duty, or from a service-connected disability, may qualify for VA loan benefits. Remarriage rules apply. We verify your status through the VA and walk you through what's needed for the COE.
Three ways to start. Pick what feels right.
