The VA loan helps Florida Service members, Veterans, and eligible surviving spouses become Florida homeowners. As part of our mission to serve you, we provide a Florida VA home loans guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a Florida home for your own personal occupancy. VA Home Loans are provided by private VA Florida mortgage lenders, such as banks and Florida mortgage companies. The VA loan guarantees a portion of the Florida loan, enabling the Florida mortgage lenders to provide you with more favorable terms.




The VA Certificate of Eligibility (COE) verifies to the Florida Mortgage lender that you meet the eligibility requirements for a VA loan. Learn more about the evidence you submit and how to apply for a COE on the VA loan Eligibility page.


The VA loan offers a variety of Florida home loan guaranty programs for Active Duty Florida Service members, Florida Veterans, and Florida National Guard and Florida Reserve members.

VA Purchase Loans help you purchase a Florida home at a competitive interest rate often without requiring a down payment or private (PMI) mortgage insurance. Cash out Refinance VA loans allow you to take cash out of your Florida home equity to take care of concerns like paying off debt, funding school, or making Florida home improvements. Learn More

VA Interest Rate Reduction Refinance Loan (IRRRL): also called the VA Streamline Refinance Loan can help you obtain a Florida VA loan to lower interest rate by VA refinancing your existing VA loan. Learn More

VA Native American Direct Loan (NADL) Program: helps eligible Native American Veterans finance the purchase, construction, or improvement of Florida homes on Federal Trust Land, or reduce the interest rate on a VA loan. Learn More

Adapted Florida Housing Grants: help FloridaVeterans with a permanent and total service-connected disability purchase or build an adapted Florida home or to modify an existing home to account for their disability. Learn More

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