What Is a VA Loan?
A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). This guarantee allows lenders to offer incredibly favorable terms to those who have served our country — including zero down payment, no private mortgage insurance, and some of the lowest interest rates available on any mortgage product.
Florida is home to one of the largest veteran populations in the nation, and VA loans are consistently the best mortgage option for those who qualify. Whether you're buying your first home, upgrading, or refinancing, a VA loan can save you tens of thousands of dollars over the life of the loan.
As a broker with 299+ lenders, I specialize in finding the best VA rates available. Many veterans don't realize that VA loan rates vary significantly between lenders — and I make sure you get the absolute lowest one.
Key Benefits & Features
Purchase a home with absolutely nothing down. No other mainstream loan program offers true 100% financing.
Save hundreds per month compared to conventional or FHA loans. No PMI ever, regardless of your down payment.
VA loan rates are typically 0.25% to 0.50% lower than conventional rates because of the government guarantee.
Already have a VA loan? The Interest Rate Reduction Refinance Loan lets you lower your rate with minimal documentation and no appraisal.
While lenders set their own minimums, many VA-approved lenders accept scores as low as 580 with full entitlement.
Veterans with full entitlement have no VA loan limit — you can borrow as much as a lender will approve with zero down.
Who Qualifies for a VA Loan?
VA loans are available to those who have served our country. Eligibility is determined by your service history and discharge status:
| Requirement | Details |
|---|---|
| Eligible Veterans | 90+ days active wartime service or 181+ days peacetime service |
| Active-Duty | Currently serving with 90+ days of continuous service |
| National Guard / Reserves | 6+ years of service or 90+ days of active-duty deployment |
| Surviving Spouses | Un-remarried spouse of veteran who died in service or from service-connected disability |
| Certificate of Eligibility | COE required (I can often pull this for you in minutes) |
| Credit Score | 580+ typical minimum (varies by lender) |
| VA Funding Fee | 1.25% to 3.3% (can be financed; exempt for disabled veterans) |
| Occupancy | Primary residence only |
Why Work with Jason & NEXA Mortgage?
Not all lenders are equal when it comes to VA loans. Some charge higher rates or add unnecessary fees. As a mortgage broker, I have access to 299+ wholesale lenders who compete for your business — meaning you get the best VA rate without the markup a single bank would charge.
I've helped numerous veterans and military families across Florida secure their dream homes with VA financing. I understand the unique aspects of VA lending, including COE requirements, VA funding fee exemptions, and how to handle PCS moves. Let me put my 25+ years of experience to work for you.