VA Loans · Florida

VA Loans in Florida — $0 Down, No PMI.

Whether you're stationed at NAS Jacksonville, separating near Miami, or a veteran buying in Tampa — Sean Shallis is a U.S. Army Veteran and VA loan specialist who originates in all 50 states.

$0 down. No PMI. No minimum credit score. Sean originates through a national portfolio lender, with the same underwriter from application to close.

Check My VA Rate Book Strategy Call

90-second rate check No credit impact Free forever

VA Lending in Florida

Florida veterans deserve a lender who served too.

Sean Shallis is a U.S. Army Veteran, VA loan specialist, and Senior Loan Officer at one of the largest banks in the United States. With 30+ years of mortgage expertise and over $1B in closed transactions, he knows how to maximize your VA benefit — whether you're buying your first home, refinancing with an IRRRL, or building from the ground up.

Serving veterans near NAS Jacksonville, Eglin AFB, and 3 more Florida installations. Sean handles everything — COE retrieval, entitlement restoration, funding fee exemption verification — so you can focus on finding your home.

Talk to Rosie

Tell Rosie about your Florida home search, refinance, or IRRRL. 90 seconds, no forms, no credit impact.

Rosie Watches

Rosie monitors Florida VA rates multiple times a day. She knows your entitlement status and alerts you when savings windows open.

Sean Closes It

When the window opens, Sean calls you personally. Veteran to veteran. One phone call. White glove. One file, one underwriter, application to close.

Active Duty in Florida

Stationed at NAS Jacksonville? PCSing soon? Lock in your rate and close before you move.

Separated & Retired Veterans

Living in Miami or Tampa? Your VA benefit never expires. Use it again — zero down.

VA IRRRL Refinance

Already have a VA loan in Florida? The IRRRL streamline lets you drop your rate with minimal paperwork and no appraisal.

VA Construction Loans

Building in Florida? Single-close construction-to-permanent. Zero down. No PMI. One closing.

Down Payment

100% financing — no down payment required

PMI — Ever

No private mortgage insurance at any LTV

None

Min. Credit Score

No VA-mandated minimum credit score

Prepayment Penalty

Pay off early with zero penalty

Sean vs. Typical Florida VA Lenders

Most Florida lenders process VA loans. Sean strategizes them — veteran to veteran.

Feature

Working With Sean

Typical FL Lender

Portfolio lender (keeps your loan)

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AI rate monitoring (Rosie)

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Veteran-to-veteran relationship

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Construction-to-perm with VA

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Physician + VA combination programs

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Free rate renegotiation before funding

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Loan recasting for $250

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Available nationwide

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Serving Veterans Across Florida

Sean works with veterans near every Florida military installation and VA facility.

NAS Jacksonville

VA loans available for service members and veterans near NAS Jacksonville.

Eglin AFB

VA loans available for service members and veterans near Eglin AFB.

MacDill AFB

VA loans available for service members and veterans near MacDill AFB.

Patrick SFB

VA loans available for service members and veterans near Patrick SFB.

NAS Pensacola

VA loans available for service members and veterans near NAS Pensacola.

James A. Haley Veterans' Hospital

Veterans receiving care here may qualify for disability-related funding fee exemptions.

Miami VA Medical Center

Veterans receiving care here may qualify for disability-related funding fee exemptions.

North Florida/South Georgia VHS

Veterans receiving care here may qualify for disability-related funding fee exemptions.

Miami, FL

VA home loans available for veterans buying or refinancing in Miami.

Tampa, FL

VA home loans available for veterans buying or refinancing in Tampa.

Orlando, FL

VA home loans available for veterans buying or refinancing in Orlando.

Jacksonville, FL

VA home loans available for veterans buying or refinancing in Jacksonville.

VA Loan FAQ — Florida

Who is eligible for a VA loan in Florida?

Veterans, active-duty service members, National Guard and Reserve members with qualifying service, and eligible surviving spouses. If you served at NAS Jacksonville or anywhere else, your benefit works nationwide. Sean can pull your COE electronically in minutes.

How do I get my Certificate of Eligibility (COE)?

You don't need to request it yourself. Sean pulls your COE electronically through the VA's system as part of the process. It takes minutes, not weeks. He'll also verify your entitlement amount and any funding fee exemptions.

Can I use my VA loan benefit more than once in Florida?

Yes. There's no limit to how many times you can use your VA benefit. You can even have two VA loans simultaneously if you have remaining entitlement. Sean specializes in helping Florida veterans restore and strategically reuse their entitlement.

What is the VA funding fee and can I avoid it?

The funding fee is a one-time charge (1.25%–3.3%) that can be rolled into your loan. Veterans with a service-connected disability rating of 10% or more are fully exempt. Sean verifies your exemption status upfront — if you're receiving care at a VA medical center for a service-connected condition, you likely qualify.

I'm a veteran AND a physician. Can I combine benefits?

Absolutely — this is Sean's specialty. As both a VA loan specialist and physician lender, he structures loans that leverage both benefits. Veteran physicians often get better rates, higher limits, and more flexible terms than either program alone.

What is the VA IRRRL and can I use it in Florida?

The IRRRL (Interest Rate Reduction Refinance Loan) lets you refinance your existing VA loan with minimal paperwork, no appraisal, and often no out-of-pocket costs. If you have a VA loan in Florida, Rosie monitors your rate daily and alerts you the moment an IRRRL saves you money.

Can I build a home in Florida with a VA loan?

Yes. Sean offers VA construction-to-permanent loans through his lender in Florida — a single close that covers your build and converts to your permanent VA mortgage. Zero down, no PMI, one closing. Sean has guided dozens of veterans through new construction.

Ready to use your VA benefit in Florida?

90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean — veteran to veteran.

Check My VA Rate Book Strategy Call

Know Florida before you borrow

How closings work in Florida

Title companies or closing attorneys handle the closing; either is common and the contract usually says which. There is no state income tax, which changes how self-employed income reads on a file.

Taxes and transfer costs

The homestead exemption and the Save Our Homes assessment cap reward owner-occupants and long-time owners; a new buyer's tax bill can be much higher than the seller's, so estimate on the purchase price, not the current bill.

Insurance that shapes the file

Wind and hurricane coverage is the file-maker or file-breaker. Citizens is the state-backed insurer of last resort, roof age drives insurability, and coastal and low-lying areas need flood insurance before funding.

Where people are buying

Miami and Fort Lauderdale · Tampa Bay · Orlando · Jacksonville · Naples and Fort Myers · the Panhandle. First-time and lower-down-payment programs run through the Florida Housing Finance Corporation.

Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Florida →

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