VA Loans in Jacksonville, FL

VA loans are guaranteed by the U.S. Department of Veterans Affairs and offer $0 down, no monthly mortgage insurance, and some of the most competitive rates available. They are available to eligible veterans, active-duty service members, National Guard and Reserve members, and surviving spouses. Jacksonville is one of Florida's most military-dense metros — home to NAS Jacksonville, Naval Station Mayport, and a large veteran population — which makes the VA loan one of the strongest financing options for a large share of local buyers.

Instead of mortgage insurance, VA charges a one-time funding fee that can be rolled into the loan — and it's waived entirely for veterans with a service-connected disability rating. Nick helps you obtain your Certificate of Eligibility (COE) and structures the loan to keep your out-of-pocket at closing as close to zero as possible.

With full entitlement, the VA imposes no loan limit — you can buy above the Duval County conforming limit of $832,750 with $0 down if you qualify on income and credit. The one-time VA funding fee replaces monthly mortgage insurance and can be financed into the loan; it is waived for veterans with a service-connected disability rating of 10% or more.