Veterans · Active duty · Surviving spouses
Florida VA loans
VA mortgages for a Florida primary residence — often $0 down, no monthly PMI, with full entitlement generally uncapped by county in 2026.
- Who it fits
- Eligible veterans, active-duty service members, and certain surviving spouses buying or refinancing a Florida primary home.
- Typical down / structure
- Often $0 with full entitlement
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs. In Florida, qualified veterans, active-duty service members, and certain surviving spouses can buy a primary home with no down payment, no monthly private mortgage insurance, and often a lower rate than a comparable conventional loan.
Full entitlement generally means there is no VA county loan-limit cap on a purchase in 2026. Residual income, occupancy, and a Certificate of Eligibility still apply. A VA funding fee may apply unless you are exempt for a qualifying disability rating.
Florida insurance is still underwriting. Wind, flood, and condo master policies are quoted with the pre-approval — not the week of closing. That is the difference between a VA letter that holds and one that does not.
- Purchase and VA IRRRL refinance
- Primary residence in Florida
- Often 100% financing with full entitlement
- No monthly PMI
- MacDill-area and statewide veteran files
Consumer VA origination is Florida only. Building? See the Florida VA one-time construction loan — land, draws, and a permanent VA mortgage in one closing.