Boca Raton VA Loans

Boca Raton VA loan

We specialize in Boca Raton VA home loan programs.

At On Mortgage, we assist veterans, active-duty service members, and military families in Boca Raton with VA home loans tailored for long-term savings and stability. These loans offer zero down payment, no private mortgage insurance, and highly competitive VA mortgage rates.

As a top-rated Boca Raton mortgage broker, we connect you with multiple VA-approved lenders to help you compare VA loan rates and select the best terms for your financial situation. We streamline the process and advocate for your benefits every step of the way.

From your Certificate of Eligibility to closing day, On Mortgage makes the VA loan process clear and efficient. If you'd like to see our rates on other programs besides VA, be sure to check today's Boca Raton mortgage rates and let us help you compare your options.

 

Boca Raton VA Loan Benefits: Flexible, Affordable Home Financing

VA home loans continue to be one of the most powerful mortgage options for eligible buyers in Boca Raton. With no down payment, no private mortgage insurance, and some of the lowest VA mortgage rates available, these loans make homeownership more affordable for veterans, active-duty military, and their families.

On Mortgage specializes in helping clients secure the best possible terms on their Boca Raton VA home loan. We work with VA-approved lenders and stay up to date on program guidelines so you can confidently explore your options. If you qualify for a VA loan in Boca Raton, we’ll help you understand current VA loan rates, gather required documents, and guide you from application to closing.

VA Loans in Boca Raton for First-Time and Veteran Homebuyers

Buying your first home in Boca Raton as a veteran or active-duty service member? A VA home loan can help you get there with no down payment, no private mortgage insurance, and access to low VA mortgage rates. It’s one of the most powerful benefits available to those who serve.

At On Mortgage, we help military families in Boca Raton understand their eligibility, compare VA loan rates, and navigate the loan process with confidence. Whether it’s your first purchase or a move-up home, our team will guide you from pre-approval through closing with expert VA loan support.

Veteran homebuyer using VA loan in Boca Raton

Boca Raton VA Home Loan Rates and Veteran Mortgage Options

Looking for the best Boca Raton VA home loan rates? At On Mortgage, we specialize in helping veterans, active-duty service members, and their families find the most competitive va loan rates in neighborhoods like Boca Isles, Mission Bay, and Timbercreek. Our VA home loan experts guide you through zero-down financing, no PMI, and low monthly payments tailored to the Boca Raton housing market.
VA home loan rates in Boca Raton

2025 VA Loan Limits in Boca Raton

Veterans in Boca Raton may qualify for VA home loans up to $806,500 with full entitlement. These no-down-payment loans are ideal for purchasing in top communities like Boca Falls, Timbercreek, and East Boca, offering flexible terms and access to today's best va home loan rates.

VA condo loan options in Boca Raton

VA-Approved Condos in Boca Raton

Use your VA loan benefits to purchase condos in approved developments such as Boca Bayou and Mizner Court. These communities offer walkable locations near shops and beaches, paired with favorable va home loan rates and zero PMI—ideal for first-time and returning buyers.

Compare Boca Raton VA loan rates

Why Compare Boca Raton VA Loan Rates

The median home price in Boca Raton was $635,111 in May 2025, with many homes exceeding $775,000. VA loans help reduce upfront costs while letting buyers lock in low va loan rates and avoid mortgage insurance—perfect for affordability in this high-demand market.

Your Local Boca Raton VA Loan Specialist

From eligibility to closing day, On Mortgage simplifies the va home loan process while helping you compare Boca Raton VA home loan rates with other loan options.
  • No down payment required with full VA entitlement
  • Eligible VA-approved condos include Mizner Court and Boca Bayou
  • Expert assistance in neighborhoods like Addison Reserve and Boca Isles
  • Help with COE, funding fee waivers, and streamlined approvals
  • Compare VA home loan rates with other Boca Raton mortgage programs
Whether buying your first home or refinancing, we help veterans secure the best Boca Raton va loan rates available today.
Boca Raton VA home loan support

Frequently Asked Questions – VA Loans



What is a VA loan and who is eligible?

A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It helps eligible service members, Veterans, and surviving spouses buy, refinance, or build a home. To qualify, you must meet service requirements and obtain a Certificate of Eligibility (COE), which your lender can often assist with.

Do VA loans require a down payment?

No, most VA loans require no down payment, provided the home’s purchase price does not exceed its appraised value. This benefit can save buyers thousands upfront and makes VA loans one of the most affordable paths to homeownership.

Do I have to pay Private Mortgage Insurance (PMI)?

No. VA loans never require PMI, even with zero down. This is a major advantage over conventional loans and helps lower your monthly payment.

What is the VA Funding Fee and who pays it?

The VA Funding Fee is a one-time charge that helps sustain the VA loan program. The amount varies based on your service history, whether it’s your first VA loan, and the size of your down payment (if any). Veterans with service-connected disabilities and some surviving spouses are exempt.

What credit score is needed for a VA loan?

The VA does not set a minimum credit score, but most lenders require a FICO score of 620 or higher. A stronger credit profile may qualify you for better VA loan rates.

How many times can I use my VA loan benefit?

You can use your VA loan benefit multiple times. Once your previous VA loan is paid off or the property is sold, your entitlement can be restored. In some cases, you may be eligible to hold two VA loans at once if you have remaining entitlement.

Can I use a VA loan for a second home or investment property?

No. VA loans are only for primary residences. You must intend to live in the home as your main place of residence. They cannot be used for vacation homes or rental properties.

Are there closing costs with a VA loan?

Yes, VA loans have typical closing costs like appraisals, title insurance, and lender fees. However, the VA limits what lenders can charge, and sellers are allowed to cover all of your closing costs and up to 4% in concessions.

What is a VA appraisal and is it required?

Yes. A VA appraisal is mandatory and must be completed by a VA-approved appraiser. It confirms the home’s value and ensures it meets the VA’s Minimum Property Requirements for safety and livability.

Can I have a co-borrower on a VA loan?

Yes. You can have a co-borrower who is a spouse or another eligible Veteran. If the co-borrower is not VA-eligible, the VA only guarantees the Veteran’s portion of the loan. This may limit how much you can borrow, so speak with a VA loan expert to review your options.

Our Reviews

We Serve the Entire State of Florida

At On Mortgage, we proudly provide mortgage solutions to homebuyers and investors throughout Florida. Here are some of the cities we serve near Miami, but we aren’t limited to these locations:

• Boca Raton • Boynton Beach • Cape Coral • Clearwater • Coral Springs • Davie • Daytona Beach • Deerfield Beach • Doral • Fort Lauderdale • Hallandale Beach • Hialeah • Hollywood • Homestead • Jacksonville • Kendall • Lauderdale Lakes • Miami • Miami Beach • Miramar • Orlando • Parkland • Pembroke Pines • Pine Hills • Plantation • Pompano Beach • Port Saint Lucie • Saint Petersburg • Sunrise • Tallahassee • Tampa • West Palm Beach • Weston