VA Home Loans in Jacksonville, Florida
Zero down payment. Scott Carlin, 20-year Air Force veteran and VA loan specialist serving Jacksonville and the NAS Jax community. Call 321-364-4461.
VA Loans in Jacksonville, FL — Veteran-Owned, Veteran-Focused
Jacksonville has the third-largest military presence in the United States. Home to Naval Station Mayport, Naval Air Station Jacksonville, and Marine Corps Support Facility Blount Island, Jacksonville is one of the most military-connected cities in the country. With over 75,000 active-duty, reserve, and civilian military personnel in the region, plus hundreds of thousands of veterans, Jacksonville is a city built around the military.
Scott Carlin is a 20-year Air Force veteran, mortgage loan originator (NMLS# 2613509), and founder of TrueVet Mortgage — a veteran-owned mortgage company specializing in VA home loans. Scott works directly with every client from pre-approval through closing. No call centers, no hand-offs.
Why Veterans Choose Jacksonville, Florida
Jacksonville is the largest city in Florida by land area and offers a wide range of neighborhoods at every price point. With no state income tax, affordable housing, and a strong veteran support network, Jacksonville is one of the top retirement and relocation destinations for military families in the Southeast.
Popular neighborhoods for military families include Orange Park, Fleming Island, Ponte Vedra, Mandarin, Riverside, San Marco, and the beaches communities of Atlantic Beach, Neptune Beach, and Jacksonville Beach. Families stationed at NS Mayport typically live in the beaches area, while those at NAS Jacksonville often settle on the Westside or in Clay County.
Jacksonville is also home to multiple VA healthcare facilities, a thriving aerospace and defense industry led by employers like Northrop Grumman, and a large veteran workforce — over 3,000 veterans join the regional workforce every year.
With a VA loan, eligible veterans can purchase a home in Jacksonville with zero down payment, competitive interest rates, and flexible credit requirements.
VA Loan Benefits for Jacksonville Homebuyers
VA loans offer significant advantages over FHA and conventional mortgages. Here’s what you get with a VA loan in Jacksonville:
Zero down payment — buy a home with nothing out of pocket.
Lower interest rates — VA rates are typically 0.25% to 0.50% lower than conventional rates.
Flexible credit requirements — the VA does not set a minimum credit score, and most lenders work with scores as low as 580.
No prepayment penalties — pay off your loan early with no extra fees.
VA funding fee exemption — veterans with a service-connected disability are exempt from the VA funding fee, saving thousands at closing.
Reusable benefit — you can use your VA loan benefit multiple times throughout your life.
Up to $4M with full entitlement — no loan limits for eligible veterans.
Who Qualifies for a VA Loan in Jacksonville?
You may be eligible for a VA loan if you are a veteran with an honorable discharge, an active-duty service member, a member of the National Guard or Reserves with qualifying service, or a surviving spouse of a veteran who died in service or from a service-connected disability.
To get started, you’ll need a Certificate of Eligibility (COE) from the VA. Scott Carlin can pull your COE for you in minutes — no need to navigate the VA website yourself.
Why Work With TrueVet Mortgage in Jacksonville?
TrueVet Mortgage isn’t a national call center or a big-box lender. Scott Carlin is a 20-year Air Force veteran who understands PCS moves, BAH, VA disability income, and the unique financial challenges military families face — because he’s lived them.
When you work with TrueVet Mortgage, you get one point of contact from application to closing. Scott handles your loan personally and is available by phone, text, or email whenever you have questions. Most TrueVet loans close in 21 to 30 days.
TrueVet Mortgage is licensed through Xpert Home Lending, Inc. (NMLS# 2179191) and serves veterans and all homebuyers across Florida and Texas.
Frequently Asked Questions About VA Loans in Jacksonville
What credit score do I need for a VA loan in Jacksonville?
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 Jacksonville?
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 Jacksonville?
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 Jacksonville?
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 Jacksonville?
Yes, unless you are exempt. Veterans with a service-connected disability rating are exempt from the VA funding fee, which can save thousands at closing. Scott can help you determine whether you qualify for an exemption.
I’m PCSing to NAS Jacksonville or Naval Station Mayport. Can I start the VA loan process before I arrive?
Yes. Scott works with military families remotely all the time. You can get pre-approved, start house hunting with a local agent, and close on your home before or shortly after you arrive in Jacksonville.
TrueVet Mortgage also serves veterans across Florida, including the Panhandle, Tampa, Jacksonville, Orlando, Miami and the Space Coast.
Visit our VA Loan FAQ for answers to common questions
Stationed at NAS Jacksonville or NS Mayport? Use our BAH Calculator to see your 2026 housing allowance rate.
Ready to Use Your VA Loan Benefit in Jacksonville? Call Scott Carlin at 321-364-4461 or visit our Schedule a Call page to book a free consultation.
