VA Loan Guidance & Benefits
Expert guidance through the VA loan process — from eligibility to closing. Maximize your earned military benefits.
VA Loan Benefits
The VA home loan is one of the most powerful homebuying tools available. Here's what sets it apart.
No Down Payment
Purchase a home with zero money down — one of the most powerful benefits of the VA loan program.
No PMI Required
Save hundreds monthly by avoiding Private Mortgage Insurance, required on most conventional loans.
Competitive Interest Rates
VA loans typically offer lower interest rates than conventional or FHA loans, saving thousands over the life of the loan.
Flexible Credit Requirements
More lenient credit score requirements compared to conventional loans, with many lenders accepting scores as low as 580.
Reusable Benefit
Your VA loan benefit can be used multiple times throughout your lifetime — it's not a one-time benefit.
Limited Closing Costs
The VA limits the closing costs lenders can charge, and sellers can pay up to 4% of the loan amount in concessions.
VA Funding Fee Schedule
The funding fee is a one-time payment that helps sustain the VA loan program. It can be rolled into your loan.
| Loan Type | Fee |
|---|---|
| First-Time Use (No Down Payment) | 2.15% |
| First-Time Use (5% Down) | 1.50% |
| First-Time Use (10%+ Down) | 1.25% |
| Subsequent Use (No Down Payment) | 3.30% |
| Subsequent Use (5% Down) | 1.50% |
| Subsequent Use (10%+ Down) | 1.25% |
Veterans with service-connected disabilities and surviving spouses are exempt from the funding fee.
Getting Your Certificate of Eligibility
Your COE verifies your VA loan eligibility. Here's how to obtain one.
Determine Eligibility
Confirm you meet service requirements: 90 consecutive days during wartime, 181 days during peacetime, or 6 years in the Guard/Reserve.
Gather Your Documents
DD-214 for veterans, Statement of Service for active duty, NGB Form 22 for Guard members.
Apply Through VA or Lender
Request your COE online at VA.gov, through your lender, or by mail using VA Form 26-1880.
Get Pre-Approved
Work with a VA-experienced lender to get pre-approved and know your budget before house hunting.
Florida Veteran Tax Savings
No State Income Tax
Florida has no state income tax, maximizing your take-home pay and retirement income.
Homestead Exemption
Florida's homestead exemption reduces your property's taxable value by up to $50,000.
Disabled Veteran Exemption
Veterans with a 10%+ VA disability rating receive additional property tax exemptions. Fully disabled veterans may qualify for complete exemption.
Surviving Spouse Benefits
Surviving spouses of veterans who died from service-connected causes may receive a full property tax exemption.
Frequently Asked Questions
Ready to Use Your VA Benefit?
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