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Florida VA Loans

100% Financing up to $647,200

Florida VA New Purchases & Mortgage Refinance | Proudly Serving Our US Military 

Florida VA Loans

100% Financing up to $647,200

Florida VA Lender

VA Loans1st Florida Mortgage is a preferred VA lender in Florida for new home loans and here to help insure that you maximize the government assistance with your next home loan.  As of June 2022, Florida US Vets are eligible to get up to 100% financing on loan values up to $647,200.  If you have problems with your credit, or need help finding a realtor, or just have general questions before you begin the buying process, don’t hesitate to ask, we are here to help.

A couple of items that you will need to get started during your application:

  • Veteran’s VA certificate of eligibility
  • Past 2 years w2 statements, one month of most recent less or pay stubs
  • Two (2) months of most recent bank statements
  • Copy of DD214 (if the veteran has been discharged/separated from the military). 

For VA home loan eligibility you will need satisfactory income and sufficient income and valid certificate of eligibility.  

Buying a new home?  Let’s us help.  We are an approved VA lender in Florida and have dedicated loan officers and underwriters that know and understand VA loans.  As a VA approved lender in Florida, we close thousands of VA loans every year.  Our mortgage professionals know what they are doing and can close loans fast- just ready our reviews! 

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Video – Florida VA Loans

VA Loans Florida (2022)

VA home loans in Florida are fully backed by the government and offer a myriad of advantages for your home purchase or mortgage refinance. Here are the six biggest advantages of VA home mortgages in Florida:

No money down

While conventional loans generally require 20% down payments, no such thing is required with a VA home loan under the local conforming limit. Down payments are still of course and option but they are not a requirement as you can finance up to 100% of your loan. The VA does allow for jumbo loans, but do require you to pay 25% of the difference between the loan amount and the loan limit which as of June, 2022 is $647,200.


Conventional loans with less than 20% down require PMI but with a VA loan you do not have to pay mortgage insurance. 

Competitive interest rates

VA loans are backed by the federal government and this means they provide lenders safety and flexibility.  What this means for you is a lower mortgage rate than you might receive with another type of loan.  

Easier to Qualify

Just like with the lower rates, VA loans are backed by the US government which means that lenders (banks) assume much less risk, which translates to less stringent qualification standards. 

Fewer credit restrictions

Easier to qualify means fewer restrictions. With a Florida VA Loan, you’re allowed a higher debt-to-income ratio and lower credit scores are OK 

Seller assistance

With VA loans the sellers can pay up to 4% of closing costs. 

Easy refinance

VA streamline or cash-out financing is available for VA loans. Streamlined refinancing lowers the rate of an already existing loan which makes refinancing simple and painless.  This means you can always take advantage of lower rates when interest rates drop. Note that the cash-out option does require a credit check and appraisal. 

1st Florida Mortgage - VA Home Loans
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