Best VA Lenders in Florida 2026: Top 8 Ranked & Reviewed
Colonel Mark Stevens (Ret.)
Florida VA Loan Specialist | 20+ Years Experience
January 23, 2026
Looking for the best VA lenders in Florida? Florida has 1.5M+ veterans and 2,800+ VA-approved lenders. These 8 consistently deliver the best rates, fastest approvals, and FL military expertise.
5.80%
Average VA Rate
0%
Down Payment
$766K
FL Loan Limit
1.5M+
FL Veterans
🏆 Top 8 VA Lenders Florida 2026
Veterans United - Best VA Lender Florida
22,000+ FL VA loans
Why #1:
- 🏆 #1 VA lender in America (40% market share)
- 💰 Lowest VA rates: 5.70%-5.90% APR
- ⚡ Close in 26 days average
- 🎖️ Veteran-owned company
- 📍 Strong at MacDill AFB, NAS Jacksonville, Eglin AFB
Best For:
FL veterans who want the #1 VA lender + military expertise
📊 Florida VA Loan Markets 2026
| Market | Median Home Price | VA Loan Limit | Military Bases |
|---|---|---|---|
| Tampa | $420,000 | $766,550 | MacDill AFB (CENTCOM) |
| Jacksonville | $350,000 | $766,550 | NAS Jacksonville, Mayport |
| Orlando | $390,000 | $766,550 | - |
| Pensacola | $310,000 | $766,550 | NAS Pensacola, Eglin AFB |
🎖️ FL Military Bases & VA Loan Activity
Top FL Military Installations
MacDill AFB (Tampa)
6,000+ active duty | CENTCOM HQ
NAS Jacksonville
23,000+ Navy personnel
Eglin AFB (Panhandle)
8,500+ airmen | Largest AFB
NAS Pensacola
16,000+ Navy | "Cradle of Naval Aviation"
VA Loan Benefits FL
0% Down Payment
Buy $420K Tampa home with $0 down
No PMI
Save $260/month vs conventional
Lower Rates
0.25%-0.50% below conventional
No Prepayment Penalty
Pay off early without fees
❓ FAQ: VA Loans Florida 2026
What is the VA loan limit in Florida?
Florida VA Loan Limit (2026):
- All FL counties: $766,550
With full VA entitlement, you can buy up to $766,550 with 0% down in any FL county.
Can I use a VA loan near MacDill AFB or NAS Jacksonville?
YES! MacDill AFB (Tampa) and NAS Jacksonville are the #1 and #2 VA loan markets in FL.
Popular areas:
- MacDill AFB: Tampa, Brandon, Riverview
- NAS Jacksonville: Jacksonville, Orange Park, Atlantic Beach
How much does a VA loan save in Florida?
Example: $420,000 home in Tampa
VA Loan:
- Down payment: $0
- Monthly payment: $2,590 (P&I + funding fee)
- No PMI
Conventional Loan:
- Down payment: $21,000 (5%)
- Monthly payment: $2,850 (P&I + PMI $260)
Total VA Savings: $65,000+ over 30 years