Florida VA Loans

The Department of Veterans Affairs offers a benefit program for Veterans to obtain the dream of homeownership under very favorable terms. The VA guarantees up to 25% (or $104,250) of a Florida VA loan for lenders so that Veterans do not need a down payment on a home that is $417,000 or less.  Veterans can obtain a VA loan for a home in Florida for up to $1,000,000 but will be required to provide a down payment for a home loan over the Florida FHA loan limits of $417,000.

Florida Military Couple - VA

VA Loan Eligibility in Florida

In order to qualify for a VA loan in Florida, you must meet the eligibility requirements set by the VA. First you must obtain a VA Certificate of Eligibility. As VA mortgage lenders in Florida, we can help you determine if you meet the eligibility guidelines for a VA loan in Florida and help you get your COE. The basic guidelines are:

  • You must be a United States Veteran, Active Duty Servicemember, Reserves Member, National Guard Member or Surviving Spouse
  • Veterans must have served a minimum of 90 days during specific wartimes or 180 days during peacetimes, or 24 continuous months between 9/7/1980 and today
  • Reserves Members & National Guard must have served a minimum of 6 years
  • All discharges must have been other than dishonorable

There are a few other guidelines required to get your Certificate of Eligibility for a VA loan, but those are the most basic.

VA Loan Qualifications in Florida

The VA is not a lender, so you will still have to meet income-to-debt ratio, credit and proof of the ability to repay the loan before you can qualify for a VA loan in Florida. The home purchase must be appraised by a VA appraiser and you must have funds for the VA funding fee.

VA Mortgage Lenders in Florida

CTC Mortgage Company is your resource for VA loans in Florida. You may contact us for your free Florida VA loan rates quote by simply filling out the “Get a Quick Quote” form above. We can help you obtain your Certificate of Eligibility and one of our qualified loan officers will walk you through the VA loan process and help you to obtain your new home.

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