Fort Lauderdale VA Loans

Fort Lauderdale VA loan

We specialize in Fort Lauderdale VA home loan programs.

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

 

Fort Lauderdale VA Loan Benefits: Flexible, Affordable Home Financing

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

VA Loans in Fort Lauderdale for First-Time and Veteran Homebuyers

Buying your first home in Fort Lauderdale 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 Fort Lauderdale 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 Fort Lauderdale

Fort Lauderdale VA Home Loan Rates and Veteran Mortgage Options

At On Mortgage, we help veterans and active-duty military families secure competitive Fort Lauderdale VA home loan rates. From neighborhoods like Coral Ridge to Victoria Park, we specialize in VA loan options with zero down payment and no PMI.
VA home in Fort Lauderdale

2025 VA Loan Limits in Fort Lauderdale

Fort Lauderdale is in Broward County, where full VA entitlement allows qualified buyers to finance up to $874,000 with no down payment. Whether buying near Las Olas or the Riverwalk, VA home loans provide access to premium homes with low VA loan rates.

VA condo loan Fort Lauderdale

VA-Approved Condos in Fort Lauderdale

Looking for a condo? Fort Lauderdale has many VA-approved developments near the beach, downtown, and shopping districts. These VA home loan solutions offer affordability, no PMI, and flexible terms for veterans and military buyers.

Fort Lauderdale VA loan rates

Why Compare VA Loan Rates in Fort Lauderdale

The median home price in Fort Lauderdale is around $560,000, with coastal properties often priced higher. VA loan rates offer military families an edge by reducing monthly costs and eliminating costly private mortgage insurance.

Why Veterans Choose On Mortgage for Fort Lauderdale VA Loans

We streamline the VA home loan process in Fort Lauderdale from start to finish, helping you lock in low VA mortgage rates with full confidence.
  • Zero-down VA home loans up to $874,000 in Broward County
  • VA-approved condos in Victoria Park, Sailboat Bend, and more
  • Expert help with COE, entitlement, and funding fee exemptions
  • In-depth knowledge of Fort Lauderdale neighborhoods and market trends
  • Compare VA home loan rates with other Fort Lauderdale mortgage options
Whether you are buying, refinancing, or planning ahead, On Mortgage is your go-to VA loan expert in Fort Lauderdale.
Fort Lauderdale VA mortgage support

Frequently Asked Questions – VA Loans



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.

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.

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

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.

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.

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.

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.

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.

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.

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 RatonBoynton BeachCape CoralClearwaterCoral SpringsDavieDaytona BeachDeerfield BeachDoralFort LauderdaleHallandale BeachHialeahHollywoodHomesteadJacksonvilleKendallLauderdale LakesMiamiMiami BeachMiramarOrlandoParklandPembroke PinesPine HillsPlantationPompano BeachPort Saint LucieSaint PetersburgSunriseTallahasseeTampaWest Palm BeachWeston