Family at new home

VA Loans in Florida

0% down for eligible veterans and active-duty service members.

VA Loans in Florida

VA loans are available to eligible veterans, active-duty service members, and surviving spouses. They offer some of the best terms in the mortgage industry — no down payment, no PMI, and competitive rates. Florida is home to major military installations including Naval Station Mayport, Naval Air Station Pensacola, Patrick Space Force Base, MacDill Air Force Base, and Homestead Air Reserve Base.

Key Details

  • Zero down payment required — buy a home with no money down
  • No private mortgage insurance (PMI) — saves hundreds per month compared to conventional and FHA
  • Competitive interest rates — typically lower than conventional rates
  • VA funding fee applies (can be financed into the loan; waived for disabled veterans)
  • No loan limit for borrowers with full VA entitlement
  • Available for primary residences only
  • Minimum credit score: typically 580-620 (varies by lender)
  • VA IRRRL (Interest Rate Reduction Refinance Loan) available for streamlined refinancing

Eligibility

VA loans are available to active-duty service members, veterans, National Guard and Reserve members, and surviving spouses. A Certificate of Eligibility (COE) is required — I can help you obtain one.

Florida Military Markets

Florida has one of the largest veteran populations in the country. Major military installations and the communities around them include:

  • Jacksonville — Naval Station Mayport, NAS Jacksonville
  • Pensacola — Naval Air Station Pensacola
  • Tampa — MacDill Air Force Base
  • Melbourne/Brevard County — Patrick Space Force Base
  • Homestead — Homestead Air Reserve Base
  • Panama City — Tyndall Air Force Base, Naval Support Activity Panama City
  • Fort Walton Beach/Destin — Eglin Air Force Base, Hurlburt Field
  • Orlando — Large veteran community

Who It’s Best For

  • Veterans and active military looking to buy with no money down
  • Service members who want to avoid PMI entirely
  • Veterans who want to refinance an existing VA loan (VA IRRRL)
  • Surviving spouses of service members
Check Your VA Eligibility →

Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender
Licensed Mortgage Loan Originator. All loans subject to credit approval. This is not a commitment to lend.
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