VA Home Loans in Florida
Zero down payment. No PMI. Veteran-to-veteran service from a 20-year Air Force veteran who calls Florida home.
A 20-Year Air Force Veteran Helping Fellow Veterans Achieve Homeownership
TrueVet Mortgage specializes in VA home loans for veterans, active-duty service members, and military families throughout Florida. Founded by Scott Carlin — a 20-year Air Force veteran and mortgage loan originator (NMLS# 2613509) based in Palm Bay, FL — TrueVet Mortgage provides veteran-to-veteran service with zero down payment VA loans, no private mortgage insurance, and closings in as few as 21-30 days. Whether you’re buying your first home on the Space Coast, PCSing to a new duty station, or refinancing an existing VA loan, Scott brings firsthand military experience and deep VA loan expertise to every transaction. Licensed through Xpert Home Lending, Inc. (NMLS# 2179191).
Scott's two decades of Air Force service give him a firsthand understanding of military life — from PCS moves and deployments to the unique financial challenges service members face. That experience is what sets TrueVet Mortgage apart from large corporate lenders and call centers.
Why Florida Veterans Choose TrueVet Mortgage
Veteran-to-Veteran Service. Scott understands VA loan entitlements, the Certificate of Eligibility process, and how military income (BAH, BAS, disability) factors into loan qualification — because he’s lived it.
Direct, Personal Communication. No call centers, no getting passed around. Scott is your single point of contact from application through closing. Clients regularly close in as few as 21-30 days.
Deep VA Loan Expertise. TrueVet Mortgage specializes in VA purchase loans with zero down payment, VA IRRRL streamline refinancing, VA cash-out refinancing, and jumbo VA loans up to $4 million. Scott also handles conventional, FHA, and jumbo loans for non-military borrowers.
Serving Veterans Across All of Florida. As a Palm Bay resident, Scott knows the Brevard County real estate market — from Melbourne and Satellite Beach to Titusville and Cocoa Beach — and works closely with local real estate agents and title companies.
VA Loan Benefits for Florida Homebuyers
VA loans are one of the most powerful homebuying tools available to veterans and military families. Here's what makes them stand out in Florida's market:
Zero down payment — Buy a home with $0 out of pocket. No 3.5% FHA minimum, no 5% conventional minimum. Zero.
No private mortgage insurance (PMI) — Conventional loans charge PMI when you put down less than 20%. VA loans never charge PMI, saving you $100–$300+ per month.
Competitive interest rates — VA loan rates are typically 0.25%–0.50% lower than conventional loan rates because the VA guaranty reduces lender risk.
Flexible credit requirements — VA loans are more forgiving of credit history than conventional loans. Veterans with credit scores as low as 580 may qualify.
No prepayment penalties — Pay off your loan early or make extra payments without fees.
VA loans are reusable — You can use your VA loan benefit multiple times throughout your life. There is no one-time limit.
VA jumbo loans available — Need to buy above the conforming loan limit? TrueVet Mortgage offers VA jumbo loans up to $4 million.
Serving Veterans Across All of Florida
TrueVet Mortgage serves veterans and military families in every county in Florida. Scott has particular expertise serving homebuyers near Florida’s major military installations:
Patrick Space Force Base & the Space Coast — Located in Brevard County between Cocoa Beach and Satellite Beach, Patrick SFB is home to Space Launch Delta 45 and the 920th Rescue Wing. Scott is based in Palm Bay, just minutes from Patrick SFB, and knows the local market inside and out. Popular homebuying areas include Palm Bay, Melbourne, Satellite Beach, Indian Harbour Beach, Cocoa Beach, Viera, Titusville, Rockledge, and Merritt Island.
NAS Jacksonville — Naval Air Station Jacksonville, home to multiple Navy squadrons and over 15,000 military personnel.
NAS Pensacola — The “Cradle of Naval Aviation” and home to Naval Air Technical Training Center.
Eglin AFB / Hurlburt Field — Major Air Force installations in the Florida Panhandle near Fort Walton Beach.
MacDill AFB — Located in Tampa, home to U.S. Central Command and U.S. Special Operations Command.
Tyndall AFB — Near Panama City, home to the 325th Fighter Wing.
No matter where you’re stationed or settling in Florida, TrueVet Mortgage can help you use your VA loan benefit.
VA Loan Programs Available in Florida
VA Purchase Loan — Buy a home with zero down payment. Available for single-family homes, condos, townhomes, and multi-unit properties up to 4 units. No maximum loan amount for veterans with full entitlement.
VA IRRRL Streamline Refinance — Already have a VA loan? The Interest Rate Reduction Refinance Loan lets you lower your rate with minimal paperwork, no appraisal in most cases, and no out-of-pocket costs. The fastest way to reduce your monthly payment.
VA Cash-Out Refinance — Access your home’s equity with a VA-backed cash-out refinance. Use the funds for home improvements, debt consolidation, or any other purpose. Refinance up to 100% of your home’s appraised value.
VA Jumbo Loans — Buying a higher-priced home in Florida? TrueVet Mortgage offers VA jumbo loans up to $4 million for homes that exceed standard conforming loan limits.
Frequently Asked Questions About VA Loans in Florida
What credit score do I need for a VA loan in Florida?
While the VA does not set a minimum credit score, most lenders require at least 580–620. TrueVet Mortgage works with veterans across a range of credit profiles and can help you understand your options.
Can I use a VA loan to buy a condo in Florida?
Yes. The condo or condo community must be on the VA’s approved list. Scott can help you check whether a specific property qualifies.
Is there a VA loan limit in Florida?
For veterans with full entitlement, there is no loan limit. You can borrow as much as a lender is willing to approve. Veterans with reduced entitlement are subject to county-level limits.
Can I use my VA loan benefit more than once?
Yes. VA loan benefits are reusable. You can use your benefit multiple times, and in some cases you can have more than one VA loan at the same time.
How long does it take to close a VA loan in Florida?
TrueVet Mortgage typically closes VA loans in 21-30 days. Timelines can vary depending on appraisal scheduling, title work, and borrower documentation.
Does the VA funding fee apply in Florida?
Yes, unless you are exempt. Veterans with a service-connected disability rating of 10% or more are exempt from the VA funding fee. First-time VA loan users with no disability pay 2.15% of the loan amount, which can be financed into the loan.
Visit our VA Loan FAQ for answers to common questions about eligibility, credit scores, and the VA loan process.
Look up your 2026 BAH rate for any Florida military installation with our free BAH Calculator.
Looking for a VA loan in Melbourne? Visit our Melbourne VA Loans page for local information about buying a home on Florida’s Space Coast.
Looking for a VA loan in Palm Bay? Visit our Palm Bay VA Loans page for local information about buying a home on Florida’s Space Coast.
Looking for a VA loan in Jacksonville? Visit our Jacksonville VA Loans page for local information about buying a home in Northeast Florida.
Looking for a VA loan in Fort Walton Beach? Visit our Fort Walton Beach VA Loans page for local information about buying a home on Florida’s Emerald Coast.
Looking for a VA loan near MacDill Air Force Base? Visit our Tampa VA Loans page to learn how TrueVet Mortgage helps military families in the Tampa Bay area.
Looking for a VA loan in Orlando? Visit our Orlando VA Loans page for local information about buying a home in Central Florida.
Looking for a VA loan near NAS Pensacola? Visit our Pensacola VA Loans page for local information about buying a home on Florida’s Gulf Coast.
Looking for a VA loan in South Florida? Visit our Miami VA Loans page for local information about buying a home near Homestead ARB and U.S. Southern Command.
Looking for a VA loan near Patrick Space Force Base? Visit our Satellite Beach VA Loans page for local information about buying a home on Florida’s Space Coast.
Looking for a VA loan near Tyndall Air Force Base? Visit our Panama City VA Loans page for local information about buying a home in Bay County.
Looking for a VA loan in St. Petersburg or Clearwater? Visit our St. Petersburg VA Loans page for local information about buying a home in Pinellas County.
Looking for a VA loan in Ocala or The Villages? Visit our Ocala VA Loans page for local information about buying a home in North Central Florida.
Looking for a VA loan in Daytona Beach? Visit our Daytona Beach VA Loans page for local information about buying a home in Volusia County.
Looking for a VA loan in Titusvile? Visit our Titusvile VA Loans page for local information about buying a home in Brevard County.
Ready to Use Your VA Loan Benefit in Florida? Call Scott Carlin at 321-364-4461 or visit our Schedule a Call page to book a free consultation.
See all Florida military bases we serve on our Military Bases page.
