West Palm Beach VA Loans

West Palm Beach VA loan

We specialize in West Palm Beach VA home loan programs.

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

 

West Palm Beach VA Loan Benefits: Flexible, Affordable Home Financing

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

VA Loans in West Palm Beach for First-Time and Veteran Homebuyers

Buying your first home in West Palm Beach 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 West Palm Beach 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 West Palm Beach

West Palm Beach VA Home Loan Rates Made Simple

At On Mortgage, we help veterans access the most competitive West Palm Beach VA home loan rates. Whether you are purchasing in Flamingo Park, El Cid, or Palm Club Village, our VA loan program offers zero-down financing and no mortgage insurance for eligible buyers.
VA home in West Palm Beach

2025 VA Loan Limits in West Palm Beach

Eligible veterans in West Palm Beach can access VA loans up to $806,500 in 2025 with full entitlement. That covers a wide range of homes—from mid-century houses to modern builds—while helping buyers lock in low VA loan rates.

VA condo loan West Palm Beach

VA-Approved Condos in West Palm Beach

VA home loans can be used in approved communities such as The Slade, Flagler Pointe, and Palm Lake. These properties offer convenient, low-maintenance living with great access to downtown—plus flexible VA home loan rates and terms.

West Palm Beach VA loan rates

Comparing VA Loan Rates in West Palm Beach

With a median home price of $445,300, VA loans offer a smart solution for avoiding mortgage insurance and large down payments. West Palm Beach VA loan rates remain highly competitive—ideal for first-time buyers, retirees, and military families alike.

Why Veterans Choose On Mortgage in West Palm Beach

We simplify the VA home loan process while offering local insights, fast approvals, and support through every step of your homebuying journey.
  • Zero down payment options up to $806,500 with full VA entitlement
  • Condos approved for VA financing in downtown and suburban areas
  • Local guidance for neighborhoods like South End and Northwood
  • Help with COE, funding fee exemptions, and VA underwriting
  • Compare VA home loan rates with other West Palm Beach loan programs
On Mortgage is proud to serve West Palm Beach veterans with tailored VA loan solutions and expert support.
West Palm Beach 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