Kendall VA Loans

Kendall VA loan

We specialize in Kendall VA home loan programs.

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

 

Kendall VA Loan Benefits: Flexible, Affordable Home Financing

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

VA Loans in Kendall for First-Time and Veteran Homebuyers

Buying your first home in Kendall 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 Kendall 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 Kendall

Kendall VA Home Loan Rates and Benefits

At On Mortgage, we help military families and veterans secure affordable VA home loan rates in Kendall. Whether you're looking in West Kendall, Snapper Creek, or The Hammocks, our team provides expert guidance on zero-down VA loans with no PMI.
VA home in Kendall Florida

2025 VA Loan Limits in Kendall

For 2025, the VA loan limit in Miami-Dade County is $621,000. Buyers with full entitlement can purchase a home in Kendall with no down payment and lock in competitive VA home loan rates while avoiding mortgage insurance costs.

VA-approved condo Kendall FL

VA-Approved Condos in Kendall

Kendall offers a range of VA-approved condos in communities like Horizons West and Spanish Trace. These homes are ideal for veterans seeking low-maintenance options with access to pools, gyms, and local shopping—financed through VA home loans.

Compare VA loan rates Kendall

Compare VA Loan Rates in Kendall

With a median home price around $542,000 in 2025, Kendall remains a high-demand area in South Florida. VA loan rates allow eligible borrowers to enter the market without large upfront costs, making it easier to purchase or refinance in Kendall.

Why Choose On Mortgage for Your Kendall VA Loan

We provide full-service VA loan support—from COE submission to underwriting—to make your Kendall home purchase as smooth as possible.
  • Zero down payment VA loans up to $621,000
  • VA-approved condos in communities like Horizons West and Spanish Trace
  • Trusted guidance for West Kendall, Snapper Creek, and The Hammocks
  • Support for COE, funding fee exemption, and credit evaluation
  • Compare VA home loan rates with other Kendall mortgage options
Whether you're a first-time homebuyer or refinancing, we specialize in helping veterans and military families succeed in Kendall.
Kendall VA mortgage team

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