VA Loans · Florida · NMLS #1603937

Get your custom rate quote in under 60 seconds.

We compare 20+ wholesale lenders to find competitive va rates in Florida. No credit pull. Pre-approval in 24 hours.

Step 1 of 5

What are you looking to do?

Pick the closest match. You can change this with your loan officer.

Step 2 of 5

When do you want to close?

No commitment — this just helps us prioritize your file.

Step 3 of 5

What's your service status?

We'll confirm with your Certificate of Eligibility — pick the closest match.

Step 4 of 5

Estimated property value

Drag to adjust. Round number is fine — we use it to size your loan options.

$450,000

$100K $1M $2M $3M+

Step 5 of 5 — Final step

Where can a loan officer reach you?

We call within 24 hours. No credit pull.

✓ No credit pull ✓ No obligation ✓ Real loan officer · 24h

✓ Got it.

A Florida-licensed loan officer will call you within 24 hours. If you'd rather we call sooner, dial (702) 420-0655.

Or call us right now: (702) 420-0655

VA Loans in Florida

What Florida buyers need to know

Florida is the third-most-populous state and a magnet for both retiree migration and young-family relocation. Miami, Tampa, Orlando, and Jacksonville lead transaction volume, with strong second-home and investor demand on the coasts. No state income tax.

Conforming limit (2026)

$806,500 (high-balance up to $851,200 in Monroe County)

Top markets

Jacksonville · Miami · Tampa

Requirements

VA Loan Eligibility in Florida

Key requirements to qualify.

Service Requirements

Varies

90 consecutive days active during wartime, 181 days during peacetime, or 6 years in the National Guard or Reserves. Surviving spouses may also qualify.

Certificate of Eligibility

COE

You'll need a Certificate of Eligibility (COE) from the VA. We can help you obtain it, often within minutes via the VA's online portal.

Credit Score

620+

While the VA itself sets no minimum, most lenders require 620+. Lending Arena works with borrowers across a wide credit spectrum.

Occupancy

Primary

VA loans are for primary residences only. You must intend to move into the home within 60 days of closing.

Lending Arena, NMLS #1603937. Licensed by the Florida Office of Financial Regulation as a Mortgage Lender / Mortgage Broker. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval.