Clearwater VA Loans

Clearwater VA loan

We specialize in Clearwater VA home loan programs.

At On Mortgage, we assist veterans, active-duty service members, and military families in Clearwater 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 Clearwater 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 Clearwater mortgage rates and let us help you compare your options.

 

Clearwater VA Loan Benefits: Flexible, Affordable Home Financing

VA home loans continue to be one of the most powerful mortgage options for eligible buyers in Clearwater. 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 Clearwater 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 Clearwater, we’ll help you understand current VA loan rates, gather required documents, and guide you from application to closing.

VA Loans in Clearwater for First-Time and Veteran Homebuyers

Buying your first home in Clearwater 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 Clearwater 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 Clearwater

Clearwater VA Home Loan Rates and No-Down-Payment Programs

Veterans and military families in Clearwater can take advantage of competitive VA home loan rates with zero down payment, no PMI, and flexible credit requirements. From Sand Key to Countryside, On Mortgage helps you secure a VA loan tailored to your goals and budget.
VA home in Clearwater

2025 VA Loan Limits in Clearwater

VA loans in Pinellas County—including Clearwater—offer up to $766,550 with full entitlement and no down payment. Whether you are purchasing near Clearwater Beach or inland communities like Greenbriar, VA home loan rates make financing more accessible.

VA condo loan Clearwater

VA-Approved Condos in Clearwater

Clearwater has several VA-approved condo projects ideal for first-time buyers or downsizing veterans. Locations like Avalon and Villas of Clearwater offer low-maintenance living with access to favorable VA loan rates and benefits.

Compare VA loan rates in Clearwater

Why Compare Clearwater VA Loan Rates

The median home price in Clearwater was $357,000 as of May 2025, making the area a great fit for VA borrowers. Our team helps you compare VA loan rates and maximize your eligibility—whether purchasing or refinancing.

Why Choose On Mortgage for Your Clearwater VA Loan

We work exclusively with VA-approved lenders to help veterans in Clearwater get the best possible rates and terms. From COE assistance to closing, we handle it all.
  • Zero down payment up to $766,550 with full VA entitlement
  • Expert help with VA condo eligibility and approval
  • Guidance through the COE and funding fee exemption process
  • Deep knowledge of Clearwater neighborhoods like Feather Sound, Northwood, and Coachman Ridge
  • Side-by-side comparison of VA home loan rates with other Clearwater mortgage programs
Clearwater veterans trust On Mortgage for expert advice, personal service, and exceptional VA loan rates.
Clearwater VA mortgage 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.

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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