VA Loan Florida | Extreme Loans

Extreme Loans is a licensed Florida VA loan lender helping veterans, active-duty service members, and military families buy and refinance homes across the Sunshine State. Whether you are stationed at a Florida military base, retiring near the coast, or simply looking to take advantage of your hard-earned VA benefit, our Extreme Mortgage Bankers are ready to close your loan fast — with zero down payment and no PMI.

Check Your VA Eligibility

VA Loan Benefits for Florida Veterans

  • No down payment: Buy a Florida home with $0 down — no matter the purchase price (with full entitlement)
  • No PMI: Eliminate the monthly mortgage insurance that FHA and low-down conventional loans require
  • Competitive rates: VA-backed loans consistently offer lower rates than conventional alternatives
  • No minimum credit score from the VA: Extreme Loans works with scores starting at 550
  • Flexible DTI: VA allows up to 60% debt-to-income in qualifying cases
  • Reusable benefit: Use your VA loan benefit more than once
  • VA IRRRL available: Existing VA loan holders can streamline-refinance to a lower rate

Who Qualifies for a VA Loan in Florida?

VA loan eligibility is based on military service. You may qualify if you are:

  • A veteran with qualifying active duty service history
  • Currently serving on active duty (90+ continuous days)
  • A National Guard or Reserves member with qualifying service
  • An eligible surviving spouse of a veteran who died in service or from a service-related disability

Florida Military Bases and Surrounding Communities We Serve

Florida is home to some of the largest military installations in the country, and Extreme Loans actively serves veterans and service members in communities near:

  • MacDill Air Force Base (Tampa)
  • Eglin Air Force Base (Fort Walton Beach / Pensacola area)
  • Naval Air Station Jacksonville
  • Patrick Space Force Base (Melbourne / Brevard County)
  • Naval Station Mayport (Jacksonville)

We also serve Florida veterans buying or refinancing in Miami, Orlando, Tampa, Fort Lauderdale, Sarasota, Naples, and all Florida communities statewide.

VA Loan Requirements

  • Certificate of Eligibility (COE): We obtain this for you directly from the VA
  • Primary residence: VA loans are for owner-occupied properties
  • VA funding fee: A one-time fee (1.25%–3.3%) that can be financed into the loan. Disabled veterans may be exempt
  • VA appraisal: Property must meet VA Minimum Property Requirements
  • Residual income: VA uses a residual income standard based on family size and region

VA IRRRL — Streamline Refinance in Florida

If you already have a VA loan in Florida, the VA IRRRL (Interest Rate Reduction Refinance Loan) is the fastest way to lower your monthly payment. Minimal paperwork, typically no new appraisal, and Extreme Loans can close these in under 14 days in most cases.

Frequently Asked Questions: VA Loans in Florida

Can I buy a home in Florida with no down payment using a VA loan?

Yes. Veterans and service members with full VA entitlement can purchase a home in Florida with zero down payment at any price point.

Is there a VA loan limit in Florida?

VA loan limits were eliminated in 2020 for borrowers with full entitlement. You can borrow above the conforming loan limit with no down payment as long as you qualify based on income and credit.

Do I need to use my VA loan near a military base in Florida?

No. VA loans can be used anywhere in Florida — there is no geographic restriction tied to proximity to a base.

What credit score do I need for a VA loan in Florida?

The VA has no official minimum credit score. Extreme Loans works with VA borrowers starting at 550. Higher scores may unlock better rates.

How fast does Extreme Loans close VA loans in Florida?

Our average close time is 14 days from application to closing. VA loans require a VA appraisal, which we coordinate promptly to avoid delays.

Can I use my VA benefit to buy a condo in Florida?

Yes, but the condo project must be VA-approved. Your Extreme Mortgage Banker can check VA condo approval status for any Florida project.

Start Your Florida VA Loan Today

You earned this benefit. Let Extreme Loans help you use it. Apply online or call 844-CLOSE-FAST — our VA loan specialists are ready to help.

Apply Now  Call 844-CLOSE-FAST

Extreme Loans | NMLS #2025962 | 29444 Northwestern Hwy. Ste. 100, Southfield, MI 48034 | Equal Housing Lender