VA Home Loans in Florida

VA loans are available to veterans, active duty service members, National Guard and Reserve members, and eligible surviving spouses. Eligibility is based on length of service, duty status, and character of service. A Certificate of Eligibility (COE) is required to verify your entitlement.

No. One of the biggest advantages of a VA loan is the 0% down payment requirement. Eligible borrowers can finance 100% of the home purchase price, making homeownership accessible without needing to save for a large down payment.

The VA funding fee is a one-time fee (ranging from 1.25% to 3.3% of the loan amount) that helps offset the cost of the VA loan program to taxpayers. The exact amount depends on your type of service, down payment amount, and whether it is your first VA loan. Veterans receiving VA disability compensation and surviving spouses are exempt from the funding fee.

For borrowers with full VA entitlement, there are no loan limits — you can borrow as much as a lender is willing to approve without a down payment. For borrowers with partial entitlement (e.g., if you have an existing VA loan), county-specific loan limits apply. Contact Home Financial Group to determine your specific entitlement and borrowing power.

Yes. Your VA loan entitlement can be restored and reused after paying off a prior VA loan and selling the property, or when a creditworthy buyer assumes your VA loan. Some veterans with remaining entitlement can even have two VA loans simultaneously. Home Financial Group can review your Certificate of Eligibility to determine your available entitlement.

You can obtain your COE through VA.gov, through a VA-approved lender like Home Financial Group, or by mail using VA Form 26-1880. In most cases, Home Financial Group can retrieve your COE electronically within minutes using VA's Web LGY system once you begin your loan application.