Florida VA Home Loan With Competitive Rates
You served your country. Now let us serve you. A Florida VA home loan offers no down payment, no PMI, and competitive rates for veterans, active duty service members, and eligible surviving spouses. See what you have earned.
Guidance veterans rely on
Thousands of families just like yours have found clarity and confidence with the guidance of a leading mortgage lender dedicated to their success.
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Florida VA Home Loan Benefits
The VA loan program was created to help those who served buy homes. A Florida VA home loan delivers on that promise with no money down, no monthly PMI, and rates that keep your payment affordable. This is your benefit to use.
Our Rates For You
VA 30 Year Purchase
VA 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
Why Florida VA Home Loan Stands Apart
100% Financing Available.
No other major loan program offers true zero down financing. Your Florida VA home loan lets you buy without a down payment, preserving cash for what matters.
No Monthly Mortgage Insurance.
Skip the PMI that adds hundreds to conventional payments. A Florida VA home loan keeps your costs lower without the extra insurance.
Lower Rates, Real Savings.
VA loans consistently offer some of the best rates available. Your Florida VA home loan saves you money every month and thousands over the life of the loan.
Underwriting That Sees You.
VA lenders look beyond the credit score. Your Florida VA home loan considers your service, your income stability, and your full financial story.
Check Your Benefit
We help you confirm eligibility and obtain your Certificate of Eligibility. Your Florida VA home loan starts with understanding what you have earned.
Understand Your Options
No down payment. No PMI. Competitive rates. We show you exactly what your Florida VA home loan can do and help you plan your purchase.
Find the Right Home
With financing ready, you focus on the home search. We stay ready to move fast when you find the one that fits.
Welcome Home
We guide you through closing and celebrate with you when you get the keys. Your service led to this moment.
The Florida VA Home Loan Experience
See your numbers
Before you see a listing, see the math. Your estimate includes principal, interest, property taxes, homeowner’s insurance, and any HOA dues. If the seller can cover part of your costs under VA rules, you will see that too. Pick a monthly number you can live with, then search inside that line.
What Veterans says
Florida VA Home Loan FAQ
Still unsure? Talk to someone who hears you, not a script.
A Florida VA home loan offers benefits no other loan can match. No down payment. No PMI. Competitive rates. Flexible credit. This is a benefit you earned through service.
For eligible veterans, often yes. A Florida VA home loan requires no down payment and no PMI, while conventional loans typically require both. VA rates are often lower too.
Yes. National Guard members with at least six years of service or 90 days of active duty under Title 10 may be eligible for a Florida VA home loan.
Entitlement is the amount the VA guarantees on your loan. Full entitlement means no loan limit. Reduced entitlement may have limits. We help you understand your Florida VA home loan entitlement.
In some cases, yes. If you have remaining entitlement, you may qualify for a second Florida VA home loan. This can work for PCS moves or investment situations.
A Florida VA home loan can finance single family homes, condos, townhomes, manufactured homes, and multi unit properties up to four units where you live in one.
Yes. VA requires an appraisal to confirm the home meets minimum property requirements and is worth the purchase price. We coordinate the appraisal as part of your Florida VA home loan.
Still have a question?
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
Lower, LLC DBA Oxford Home Lending | NMLS #1124061 | www.nmlsconsumeraccess.com.
Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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Refinance: By refinancing your existing loan, your total finance charge may be higher over the life of the loan.
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