A Great Option for Veterans, Active Duty & Surviving Spouses
If you’ve served our country, a VA loan can be one of the best ways to buy a home in Southwest Florida. We help buyers every day using VA loans in Fort Myers, Cape Coral, Naples, Bonita Springs, Estero, and Port Charlotte.
VA loans are for primary residences and are designed to make homeownership easier and more affordable for those who qualify.
VA Loan Basics (The Simple Version)
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0% down payment
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No official minimum credit score
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Most lenders like to see around 580–620+
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No monthly mortgage insurance
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Great interest rates
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Flexible guidelines
One big benefit buyers love: the seller can pay many of your closing costs. VA loans also allow extra seller concessions (like paying off certain debts or the VA funding fee), usually capped around 4%, depending on what’s being paid.
Pros & Cons to Know Up Front
Pros
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No monthly mortgage insurance
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Usually lower monthly payments
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Little to no money needed upfront
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Strong option in Southwest Florida’s competitive market
Cons
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You must be VA-eligible
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VA loans typically include a funding fee (often rolled into the loan unless exempt)
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Homes must meet VA appraisal and condition requirements
Why VA Loans Work So Well Here
Southwest Florida has everything from starter homes to waterfront properties. VA loans help buyers keep more cash on hand while still getting into a great home—whether you’re buying in Fort Myers, Cape Coral, Naples, Bonita Springs, Estero, or Port Charlotte.
Our Team Is Here to Help You 🤝
Buying with a VA loan doesn’t have to feel complicated. Our Southwest Florida real estate team is here to help you every step of the way—from confirming eligibility and connecting you with trusted VA lenders, to negotiating seller concessions and guiding you through inspections, appraisals, and closing.
Whether this is your first home or your next one, we’ll make sure the process is smooth, informed, and stress-free.
You served our country.
Now let us serve you. 🇺🇸
VA Loans in Southwest Florida: $0 Down Homeownership for Those Who Served 🇺🇸