Tampa VA Loans

Tampa VA loan

We specialize in Tampa VA home loan programs.

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

 

Tampa VA Loan Benefits: Flexible, Affordable Home Financing

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

VA Loans in Tampa for First-Time and Veteran Homebuyers

Buying your first home in Tampa 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 Tampa 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 Tampa

Low Tampa VA Home Loan Rates for Veterans

At On Mortgage, we specialize in helping veterans and military families secure competitive Tampa VA home loan rates. Whether you are buying in Westchase, Seminole Heights, or Carrollwood, we provide full-service support with zero-down financing and no PMI.
VA home in Tampa

2025 VA Loan Limits in Tampa

Qualified borrowers in Hillsborough County can access VA home loans up to $766,550 with full entitlement. From new builds in North Tampa to historic bungalows in Hyde Park, VA loan rates offer a flexible and affordable financing path.

VA condo loan Tampa

VA-Approved Condos in Tampa

Use your VA home loan benefit for approved condo communities like The Quarter at Ybor or Island Walk. Enjoy the convenience of low-maintenance living while still securing great VA loan rates with no down payment required.

Tampa VA loan rates

Compare VA Loan Rates in Tampa

In May 2025, the median Tampa home price reached $433,200. VA loans help qualified veterans avoid mortgage insurance and large down payments—resulting in better monthly savings and access to competitive Tampa VA home loan rates.

Why Tampa Veterans Choose On Mortgage

We help simplify the VA home loan process with fast eligibility verification, local insight, and veteran-focused mortgage support from start to finish.
  • Up to $766,550 available with zero down and full VA entitlement
  • Condos approved for VA loans in downtown and West Tampa
  • Experience with Tampa-area military buyers and VA refinancing
  • Expert help with COE, funding fee exemptions, and VA guidelines
  • Compare Tampa VA home loan rates with other loan programs
Whether you are stationed locally or returning home, On Mortgage is your trusted VA lender for the Tampa area.
Tampa VA loan experts

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