Florida
VA Loans in Florida
Nothing down, no mortgage insurance. I am licensed in Florida and I shop this across 175+ lenders.
A VA loan is the best financing in the country if you qualify for it. No down payment, no monthly mortgage insurance, and rates that price better than conventional.
What it buys in Florida
Median ZIP value here is $344,922. There is no VA loan limit for a borrower with full entitlement — the limit is what you can afford and what the appraisal supports.
At this price level almost every purchase sits comfortably inside what full entitlement supports.
Top metros: Miami-Fort Lauderdale-Pompano Beach · Tampa-St. Petersburg-Clearwater · Orlando-Kissimmee-Sanford · Jacksonville
The funding fee
There is a one-time funding fee, and it is waived entirely if you have a service-connected disability rating. It can be rolled into the loan. First use costs less than later use, and any down payment lowers it.
What people get wrong
VA loans are not slower. They are not harder for sellers. The appraisal has minimum property requirements, which is a feature — it stops you buying a house with a failing roof. And you can reuse the benefit: entitlement restores when you sell, and you can sometimes hold two VA loans at once.
Bring me your COE, or let me pull it.
Where this sits in Florida
Median ZIP value across Florida is $344,922 across 924 ZIP codes. The cheaper tenth of ZIPs run near $222,360 and the top tenth near $662,743. That spread matters: the same program behaves very differently at $222,360 than it does at $662,743.
| Largest metro | Median value | ZIP codes |
|---|---|---|
| Miami-Fort Lauderdale-Pompano Beach | $497,131 | 181 |
| Tampa-St. Petersburg-Clearwater | $362,639 | 129 |
| Orlando-Kissimmee-Sanford | $386,780 | 90 |
| Jacksonville | $314,510 | 59 |
| North Port-Sarasota-Bradenton | $388,529 | 43 |
Zillow public home value index, as of 2026-08-31. Market data, not an appraisal of your property and not a quote.
More detail on the program itself is on my va loans page, and the rest of what I write in the state is on the Florida mortgage broker page.
Get a free rate quote.
No application. No credit pull. A written comparison across 175+ lenders, with the APR on each.
Let's look at your numbers
Questions people ask
Do you write va loans in Florida?
Yes. I am licensed in Florida under NMLS #487617 and I shop this program across 175+ lenders rather than offering one lender's version of it.
What is the median home value in Florida?
About $344,922 across 924 ZIP codes, from Zillow's public home value index as of 2026-08-31. Your own ZIP may be well above or below that.
How do I start?
Send me your numbers or book fifteen minutes. No credit is pulled to start and there is no application to get a comparison.
Do I need to live in Florida to use this?
No. The property has to be in a state I am licensed in. Where you live does not matter, and a good share of my Florida files are for people who live somewhere else.
How many lenders do you actually compare?
175+. A bank can only offer its own product, so if you do not fit it you hear no. I put the ones that fit side by side with the APR on each, and if your current deal already wins I will tell you.
What does it cost to talk to you?
Nothing. I am paid when a loan closes and the compensation is disclosed on your Loan Estimate. If the answer is to keep what you have, it cost you fifteen minutes.
Let’s look at your numbers
Fifteen minutes. Your real numbers. No pressure.
Call or text my cell, or book a time. You’ll get a written comparison with real terms and an APR on every option, and if your current deal already wins, I’ll tell you.