Orlando VA Loans

Orlando VA loan

We specialize in Orlando VA home loan programs.

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

 

Orlando VA Loan Benefits: Flexible, Affordable Home Financing

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

VA Loans in Orlando for First-Time and Veteran Homebuyers

Buying your first home in Orlando 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 Orlando 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 Orlando

Orlando VA Home Loan Rates for Veterans and Military Families

At On Mortgage, we help Orlando's veterans and active-duty military secure VA home loans with zero down payment and no PMI. Whether you're looking in Lake Nona, Avalon Park, or College Park, our local experts will guide you through competitive VA loan rates and flexible home financing options.
VA home in Orlando

2025 VA Loan Limits in Orlando

Veterans in Orange County can borrow up to $621,000 with full entitlement and no down payment. This allows for easier access to homes in top neighborhoods without sacrificing affordability or favorable VA loan rates.

VA condo Orlando

VA-Approved Condos in Orlando

VA home loans are available for condos in approved developments such as Park North and The Grande. Enjoy maintenance-free living in walkable communities, all while securing low Orlando VA loan rates and no monthly mortgage insurance.

Compare VA loan rates Orlando

Compare VA Home Loan Rates in Orlando

With a median home price of $412,000, VA loans offer unmatched value for Orlando buyers. Our team helps veterans compare the latest VA loan rates and find the right program for their needs.

Why Choose On Mortgage for Your Orlando VA Loan

From your initial VA loan pre-qualification to closing day, we offer hands-on support and unmatched insight into Orlando real estate and veteran lending programs.
  • No down payment up to $621,000 with full VA entitlement
  • Approved condo communities near Downtown Orlando and Lake Nona
  • Expert help with COE, funding fee exemptions, and VA loan eligibility
  • Veteran loan solutions for areas like College Park, Vista East, and Hunters Creek
  • Compare VA loan rates with other Orlando mortgage programs
Whether you're purchasing your first home or refinancing with a VA IRRRL, On Mortgage is your trusted partner for Orlando VA home loans.
Orlando 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