Service Member · Florida
Military & VA Buyer in Florida
Active duty, veteran, or surviving spouse buying in Florida? Use your VA benefit — VA loans for eligible veterans, with no monthly PMI.
Common challenges we solve
- Confusion around VA entitlement and funding fee
- PCS orders forcing a fast close
- Wanting to keep current home as a VA rental
- Sellers unfamiliar with VA appraisal requirements
What you get with Lumos
For eligible veterans
No monthly PMI on VA loans
Bonus entitlement for multiple VA loans
What's different in Florida
Florida offers additional property-tax exemptions for veterans with service-connected disabilities on top of the regular homestead exemption — the county property appraiser determines eligibility. Florida's no-state-income-tax status also matters for military retirees.
Loan programs that typically fit
Frequently asked
- Can I have two VA loans at once?
- Yes — bonus entitlement allows a second VA loan when you PCS or upgrade.
- Is the funding fee waived?
- It's waived for service-connected disability and surviving spouses.
- Will sellers accept a VA offer?
- We coach your agent on positioning so VA offers are competitive against cash and conventional.
Related pages
Get qualified in 60 seconds →Local guide: VA Loans in Jacksonville, FLMilitary & VA Buyer in TexasDownsizing in FloridaUpsizing — Growing Family in FloridaHigher-Ed Graduate / New Professional in FloridaMiami, Florida Mortgage BrokerCoral Gables, Florida Mortgage BrokerDoral, Florida Mortgage Broker
