In-depth guides on VA loan benefits, eligibility requirements, and Florida veteran homebuying programs — written by Joe Pistone, Originating Branch Manager at CrossCountry Mortgage (NMLS# 2087918). Because veterans deserve expert advice, not generic answers.
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Everything you need to know about using your VA benefit to buy a home in Florida — from the basics to advanced program stacking strategies.
Complete guide to every VA loan advantage — $0 down, no PMI ever, competitive rates, no loan limit, assumability, reusability. Real dollar savings on a $400K Florida home, plus disabled veteran funding fee exemptions and Florida property tax benefits that can save $9,600+ per year.
Read the Full GuideComplete breakdown of VA loan qualification — 90-day wartime / 181-day peacetime / 6-year Guard service requirements, COE process, credit standards (620+ practical floor), Southeast residual income tables, DTI flexibility, and Florida-specific property requirements including VA-approved condos.
Read the Full GuideHow to combine a VA loan ($0 down) with Florida's Hometown Heroes program (up to $35,000 in 0% deferred closing cost assistance) to potentially buy your Florida home with nothing out of pocket. Includes eligibility requirements, county income limits, step-by-step process, and a real $400K Tampa example.
Read the Full GuideEvery Florida veteran property tax exemption tier — $5,000 basic for any honorably discharged veteran, additional $5,000 for 10%+ disability, full homestead ($0 taxes) for 100% P&T disabled veterans, surviving spouse benefits, the March 1 application deadline, and real county-by-county dollar savings.
Read the Full GuideThe VA funding fee ranges from 1.25% to 3.3% — but veterans with a 10%+ disability rating, Purple Heart recipients, and eligible surviving spouses pay $0. Complete 2026 fee table by loan use and down payment, real dollar savings on Florida home prices, how to document exemption at closing, and how to claim a refund if you overpaid.
Read the Full Guide