West Palm Beach VA Home Loans – 0% Down for Veterans

Proudly serving veterans and military families across West Palm Beach, CTC Mortgage helps you maximize your VA home loan benefits—unlocking affordable homeownership with $0 down and no monthly mortgage insurance. Whether you’re looking in West Palm Beach, Palm Beach Gardens, Wellington, Lake Worth, or Boynton Beach, our local VA specialists make the process simple, so your service is rewarded with a home of your own.

Why Choose a VA Loan in West Palm Beach?

VA home loans are designed for eligible veterans, active-duty service members, and some surviving spouses. CTC Mortgage specializes in guiding Florida veterans through every step, from eligibility checks to closing. Use your VA benefit to purchase in West Palm Beach with no out-of-pocket down payment and potentially little to no closing costs (with seller help). Not sure if you qualify? Review our VA loan eligibility guide or contact a VA loan expert for fast answers.

Major Benefits of VA Loans for Veterans

$0 Down Payment

No down payment required for most eligible borrowers.

No Monthly PMI

Choose from 15-year or 30-year fixed mortgage options, plus adjustable-rate programs.

Competitive Interest Rates

The VA guaranty helps you secure lower-than-market rates.

Flexible Credit Requirements

Qualify even if your credit is less than perfect—CTC can help most veterans starting around a 580–620 score.

Limits on Closing Costs

Seller contributions allowed; closing costs are capped.

Streamline Your Refinance

Already have a VA loan? Consider a VA Streamline Refinance (IRRRL) to lower your rate with minimal paperwork.

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Do You Qualify for a VA Home Loan?

VA loans are available to eligible veterans, active-duty, Guard, Reserve, and some surviving spouses. You’ll need a Certificate of Eligibility (COE)—CTC will help you obtain this and verify your status. For buyers exploring other paths, we also offer Conventional Loans and FHA Loans for Palm Beach County homebuyers.

Your VA Benefit, Working for You in West Palm Beach

With over 50,000 veterans in Palm Beach County, you’re part of a strong local community. Use your VA loan to buy in West Palm Beach, Palm Beach Gardens, or any nearby area—and if you need higher loan amounts, ask about our Jumbo Loan solutions for veterans. Considering renovations or a new purchase? CTC can compare specialty mortgage programs for your unique needs.

Why Veterans Choose CTC Mortgage for VA Loans

VA-Approved Underwritersa

Our team knows VA rules, Florida property taxes, and disabled veteran exemptions.

Fast Appraisal Processing

Local knowledge means quicker turnarounds.

Personalized Guidance

Hundreds of Florida veterans helped—plus we’ll walk you through every step, including getting your COE.

Community Commitment

Every VA loan supports local veteran initiatives.

Trusted by West Palm Beach Veterans

Read our customer reviews to see how we deliver for military families.

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VA Loan FAQ – West Palm Beach

Frequently Asked Questions

  • What is the VA loan limit in Palm Beach County?

    With full entitlement, there’s no strict loan limit, but most buyers can borrow up to the county’s conforming limit—$806,500 for a single-family home in 2025—without a down payment. Learn about limits for higher-value properties on our Jumbo Loan page.

  • Do VA loans require mortgage insurance?

    No monthly PMI. Instead, there’s a one-time VA funding fee (waived for many disabled veterans). Want to see how VA compares to FHA or Conventional? Use our mortgage calculators.

  • Can I use a VA loan more than once in West Palm Beach?

    Yes—VA loans are reusable. After selling or paying off your home, you can restore entitlement and use your benefit again.

  • What credit score do I need for a VA loan?

    We can often help buyers with a 580–620 score. Explore all your options with a side-by-side comparison using our loan comparison tool.

  • Do you offer VA construction or renovation loans?

    VA loans are for move-in-ready homes. For renovation, see our HomeStyle Renovation Loan or other specialty programs.

Thank You for Your Service—Now Let Us Serve You

Buy with $0 down in West Palm Beach. Contact our VA loan specialists today for expert help, fast pre-approval, and local support—plus, get answers about refinancing or other veteran-focused home loan solutions.