Service Member · Florida
Military & VA Buyer in Florida
Active duty, veteran, or surviving spouse buying in Florida? Use your VA entitlement for $0-down, no-PMI financing.
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
$0 down on most purchases
No PMI ever, even with 0% down
Bonus entitlement for multiple VA loans
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.
