You've earned this benefit. Let Mike help you use it — with $0 down, no PMI, and competitive rates through 100+ lenders.
With full VA entitlement, purchase any priced home with zero down payment. No loan limit for fully eligible veterans in 2026.
Unlike FHA or conventional loans with less than 20% down, VA loans never require private mortgage insurance — saving you hundreds per month.
VA loans typically offer rates 0.25–0.50% below conventional loans. With Mike shopping 100+ lenders, you'll get a highly competitive rate.
Your VA loan entitlement can be used again and again. Sell a home and buy another with a new VA loan — or keep your existing VA loan and buy a second.
Great news for veterans with full entitlement: there is no loan limit. You can purchase a home at any price with $0 down, subject only to the lender's underwriting requirements and your ability to qualify.
For veterans with partial entitlement (e.g., you still have a VA loan on another property), the 2026 conforming limits apply:
VA loan eligibility is based on your service history. Generally, you may qualify if you meet one of the following:
Your first step is obtaining your Certificate of Eligibility (COE) — Mike can often pull this for you in minutes through the VA's automated system.
The VA funding fee is a one-time charge that helps sustain the VA loan program. For 2026, first-use purchase loans with $0 down carry a 2.15% funding fee (3.3% for subsequent use). You can pay it upfront or roll it into your loan balance.
Fee waivers apply if you have a VA disability rating of 10% or higher, are a Purple Heart recipient serving on active duty, or are a surviving spouse receiving DIC benefits.
VA loans use a residual income calculation — not just your debt-to-income ratio. This measures how much disposable income your family has after all major expenses. The result? Many veterans can qualify for more home than they could with a conventional loan, because the VA wants to ensure you can comfortably afford your mortgage.
Pay off your loan early without any fees.
Future buyers may assume your VA loan and rate — a powerful selling point.
No VA-mandated minimum score. Most lenders accept 580–620+.
Lower your rate with minimal paperwork and often no appraisal.
Mike understands the VA appraisal process, the Termite Inspection (Wood Destroying Organism report) requirements unique to Florida, and how to navigate flood zones that can complicate VA purchases in our area. With access to 100+ lenders, Mike can find VA-approved lenders offering the most competitive rates and terms for your situation.
Let Mike pull your COE and get you pre-approved — most clients hear back within 24–48 hours.