Jacksonville · Panhandle · Tampa Bay · Space Coast
Yes. You can use a VA loan anywhere in Florida, from Pensacola to Jacksonville to Tampa. Florida has no state income tax, and Veterans with a total and permanent service-connected disability pay no property tax on their home. We lend in Florida and help families buy near every base in the state.
Good to know
Every homeowner can take up to $50,000 off their home's taxable value with the regular homestead exemption. A VA rating of 10% or more takes off another $5,000. A total and permanent service-connected disability makes your home fully exempt. Apply with your county property appraiser.
Insurance costs more in Florida than in most states, and it's part of your monthly payment. A wind mitigation inspection can lower your premium. We'll get real quotes before you commit to a home.
Coastal and low-lying areas may require flood insurance. We check it before you make an offer, not after.
Tax rules shown are general and current as of October 2026. Confirm the details with your county or the state before you rely on them.
PCSing to Florida?
Wherever your orders say, we lend there. Here's where families usually look.
Florida questions
No. Florida has no state income tax, so the state doesn't tax your military retirement, VA disability pay or wages.
Honorably discharged Veterans with a total and permanent service-connected disability get a full exemption on their home. A rating of 10% or more gets $5,000 off. You need to own and live in the home as of January 1 to claim it for that year.
Usually insurance. Homeowners insurance, and flood insurance in some areas, can add a few hundred dollars a month. We include real quotes in your estimate so you see the true payment.
Get started
One person on our team will confirm you qualify, show you what you can afford and walk you through every step. No cost, no pressure.