VA Loans in West Palm Beach: Eligibility, COE, and How to Get Started

Feb 25 2026 14:57

Quick Summary: VA loans are designed for eligible veterans, active‑duty service members, and surviving spouses, offering zero down payment and no monthly mortgage insurance. Getting started in West Palm Beach begins with confirming eligibility and obtaining your Certificate of Eligibility (COE), followed by a pre‑approval with a lender like CTC Mortgage. Most Palm Beach County buyers can complete these steps quickly, making VA loans one of the most accessible and affordable paths to homeownership.

What Is a VA Loan?

A VA loan is a government‑backed mortgage program that helps military borrowers purchase homes with favorable terms—most notably no down payment and no PMI. CTC Mortgage works closely with West Palm Beach veterans and active‑duty buyers to navigate eligibility, find the right loan structure, and move smoothly through underwriting.

These loans are popular across Palm Beach County because they offer strong buying power and more flexible qualification standards compared to many conventional programs.

Who Is Eligible for a VA Loan?

You may qualify for a VA loan if you meet one of the following:

  • Served active duty for the required minimum service period
  • Are currently serving on active duty
  • Are a member of the National Guard or Reserves with sufficient service
  • Are an eligible surviving spouse

The easiest way to confirm your eligibility is to request your Certificate of Eligibility (COE). CTC Mortgage can help West Palm Beach borrowers retrieve this during pre‑approval.

What Is a COE and How Do You Get It?

Your Certificate of Eligibility verifies your entitlement to use the VA loan benefit. You can obtain it:

  • Online through the VA’s eBenefits portal
  • By requesting it directly through the VA
  • Through your lender—CTC Mortgage can retrieve the COE quickly for most borrowers

For complete COE instructions and documentation requirements, visit the official VA website: https://www.va.gov/housing-assistance/home-loans/

Key Advantages of VA Loans

  • No down payment for eligible borrowers
  • No monthly PMI, unlike conventional or FHA loans
  • Competitive interest rates
  • Flexible credit guidelines
  • Reduced closing costs with certain seller concessions allowed

For many veterans in Palm Beach County, these features make homeownership more affordable—and often faster—than other loan options.

Understanding the VA Funding Fee

The VA funding fee is a one‑time charge that supports the VA loan program. Most borrowers pay it unless they receive an exemption due to a service‑connected disability. The fee amount varies based on:

  • Down payment (0%, 5%, or 10%)
  • Military service category
  • Whether it is a first‑time or subsequent VA purchase

CTC Mortgage helps West Palm Beach buyers calculate this fee and determine whether it can be rolled into the loan amount.

Common Misconceptions About VA Loans

  • “Sellers won’t accept VA offers.” In reality, VA loans close just as smoothly as conventional loans—especially with experienced lenders and agents.
  • “VA appraisals are too strict.” VA appraisals simply ensure safety and livability, similar to FHA guidelines.
  • “I can only use my VA loan once.” You can use it multiple times, and even restore entitlement under certain conditions.
  • “VA loans take longer.” With a responsive lender like CTC Mortgage, West Palm Beach buyers often close within the same timelines as conventional borrowers.


How to Start the VA Loan Process in West Palm Beach

  1. Verify eligibility and request your COE.
  2. Get pre‑approved with a local lender familiar with Palm Beach County market conditions.
  3. Shop for a home within your approved price range.
  4. Complete appraisal and underwriting with support from your loan officer.
  5. Close and receive your keys —usually within 25–35 days.


Explore VA Loan Resources

For more information on VA loan options in the area, visit:


Get Started with CTC Mortgage

If you're a veteran or active‑duty service member in West Palm Beach or anywhere in Palm Beach County, CTC Mortgage can help you understand your full VA loan benefits and guide you through the pre‑approval process. Contact us today to begin your VA loan journey with confidence.