Zero down payment. No monthly mortgage insurance. Veteran-to-veteran service from a 20-year Air Force veteran who calls Florida home.
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.
VA loans are one of the most powerful homebuying tools available to veterans and military families. Here is what makes them stand out in 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:
No matter where you are stationed or settling in Florida, TrueVet Mortgage can help you use your VA loan benefit.
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 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 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 Titusville? Visit our Titusville 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.