Va Loan Purchase
A Florida VA Loan used for a home purchase allows veterans, servicemembers and surviving spouses the opportunity to purchase a home at a competitive or market interest rate with zero or no money down. It’s an ideal option for veterans who have difficulty finding other sources of financing for the purchase of a home.
To begin the pre-approval process, veterans and eligible service members can complete our application. The FL VA loans team is here to help veterans and service members complete their financing application. Our loan officers can also help veterans obtain the required documentation to apply for a Florida VA loan, such as a COE or Certificate of Eligibility.
Eligible recipients for a Florida VA loan include veterans, active-duty military members, and a surviving spouse (widow/widower). National Guard and members of the Reserves must have completed at least six years of service before they can meet the eligibility requirements to apply for a Florida VA loan.
Veterans who have completed less than six years of service might be eligible if they were discharged because of a service-connected disability. Retired veterans are required to have served at least 181 days, or 90 days of service during the Gulf War.
Retired veterans are also required to have been honorably discharged, but veterans that have served less than 90 days may still be eligible for a VA loan if they were discharged because of a service-connected disability.
How to Apply For a Florida VA Loan to Buy A Home
When a veteran or active-duty servicemember decides to use a Florida VA Loan to purchase a home, it’s recommended that they contact us for a pre-approval before they sign a contract to buy a home.
During the Florida VA loan pre-approval process, the lender will verify and review the applicant’s job and credit history in comparison to the VA home loan approval guidelines. If the borrower meets the Florida VA loan application criteria, we will approve financing.