VA Home Loans in Titusville, Florida
Serving veterans, military families, and defense professionals near Kennedy Space Center and Cape Canaveral Space Force Station. Scott Carlin, 20-year Air Force veteran and VA loan specialist (NMLS# 2613509). Call 321-364-4461.
VA Loans for Veterans and Military Families in Titusville
Titusville sits directly across the Indian River from Kennedy Space Center and Cape Canaveral Space Force Station, making it one of the most military-connected communities on Florida’s Space Coast. Thousands of active-duty service members, veterans, defense contractors, and space industry professionals call Titusville home.
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, National Guard and Reserve members, and surviving spouses. VA loans offer zero down payment, no monthly mortgage insurance, competitive interest rates, and flexible credit requirements — benefits designed specifically to help those who have served.
Scott Carlin is a 20-year Air Force veteran, mortgage loan originator (NMLS# 2613509), and founder of TrueVet Mortgage. Scott helps veterans and military families throughout the Titusville area navigate the VA loan process from pre-approval to closing — typically in 21 to 30 days.
Why Veterans Choose Titusville
Titusville offers veterans an affordable cost of living, a short commute to Cape Canaveral Space Force Station and Kennedy Space Center, and a quiet, small-town feel with easy access to the rest of the Space Coast.
The city sits along the Indian River Lagoon with direct views of rocket launches from Kennedy Space Center. Major employers in the area include NASA, SpaceX, Blue Origin, United Launch Alliance, L3Harris Technologies, Lockheed Martin, and Northrop Grumman. For veterans transitioning out of service, the Space Coast defense and aerospace corridor offers strong career opportunities without the cost of living found in larger metros.
Popular neighborhoods and communities for veterans include Port St. John, Scottsmoor, Mims, and the neighborhoods along US-1 and the Indian River. Port St. John is especially popular with military families for its newer construction and proximity to both Titusville and Cape Canaveral. The Enchanted Forest area and neighborhoods near the Brevard Veterans Memorial Park offer a mix of established homes and waterfront properties.
Titusville also provides easy access to VA healthcare through the Viera VA Clinic, approximately 25 minutes south, and the Orlando VA Medical Center for specialized care.
VA Loan Benefits for Titusville Homebuyers
VA loans provide Titusville homebuyers with advantages that no other mortgage program can match.
Zero down payment — Buy a home with nothing down. No other conventional or FHA loan offers this benefit.
No monthly mortgage insurance — Conventional loans require monthly mortgage insurance with less than 20 percent down. FHA loans charge it for the life of the loan. VA loans never require it.
Competitive interest rates — VA loan rates are typically 0.25 to 0.50 percent lower than conventional and FHA rates because the VA guaranty reduces the lender’s risk.
Flexible credit requirements — The VA does not set a minimum credit score, and the program is more forgiving of past credit events like bankruptcy or foreclosure.
VA funding fee exemption — Veterans with a service-connected disability rating of 10 percent or more pay zero funding fee, which can save thousands of dollars at closing.
No prepayment penalty — Pay off your VA loan early or refinance at any time with no penalties.
Titusville Housing Market and VA Loan Limits
Titusville remains one of the most affordable communities on the Space Coast. Home prices are generally lower than Melbourne and Palm Bay, which gives veterans strong purchasing power — especially with a zero down payment VA loan.
For eligible veterans with full entitlement, there is no VA loan limit. You can borrow as much as a lender will approve based on your income and credit. This means whether you are buying a starter home near US-1 or a waterfront property along the Indian River, a VA loan can cover it.
Scott Carlin is a mortgage broker with access to over 120 lenders, which means he shops your rate and loan terms across multiple wholesale lenders to find the best deal. You are not locked into one bank’s pricing — you get competitive options tailored to your situation.
PCS Moves to Cape Canaveral Space Force Station
If you are PCSing to Cape Canaveral Space Force Station, Titusville is one of the closest and most affordable off-base housing options. The commute from Titusville to the Cape is approximately 20 minutes, and many service members and their families prefer the quieter pace of life compared to the Melbourne and Cocoa Beach areas.
Scott Carlin understands the timeline pressures of a PCS move. He works with active-duty service members before they arrive in Florida to get pre-approved and ready to make an offer as soon as they are on the ground. He is familiar with using BAH as qualifying income, handling deployment-related gaps in employment, and working with remote closings for service members who are still at their previous duty station.
If you are relocating to the Space Coast, call Scott at 321-364-4461 or schedule a free consultation to start the pre-approval process before your move.
Talk to a VA Loan Specialist in Titusville
Scott Carlin at TrueVet Mortgage is a 20-year Air Force veteran who specializes in VA loans for military families in Florida and Texas. He handles every loan personally from pre-approval to closing — no call centers, no hand-offs, no runaround.
Whether you are buying your first home in Titusville, upgrading to a larger property near Port St. John, or refinancing an existing mortgage, Scott will find the best VA loan option for your situation.
Call 321-364-4461 or schedule a free consultation today.
TrueVet Mortgage also serves veterans across Florida, including the Panhandle, Tampa, Jacksonville, Orlando and Miami.
Visit our VA Loan FAQ for answers to common questions
Look up your 2026 BAH rate for any Florida military installation with our free BAH Calculator.
Ready to Buy a Home in Titusville? Call Scott Carlin at 321-364-4461 or visit our Schedule a Call page. As a 20-year Air Force veteran and VA loan specialist, Scott will guide you through every step of the process — from pre-approval to closing.
