Florida VA Loan Resources Hub
Every free tool, guide, and resource Mike publishes — all in one place.
Downloadable PDFs
- The FL VA Loan Playbook — 30+ page comprehensive guide to using VA financing in Florida. Covers eligibility, calculations, FL-specific advantages (Florida disabled-Veteran property-tax exemption, Down Payment Assistance (DPA)), summer PCS tactics, VA appraisal, refinancing, and pitfalls.
- FL Veteran Money-Saving Guide — quarterly-updated 20-page guide to FL + federal veteran benefits, discounts, and tax breaks. Updated quarterly.
Calculators (8 total)
- BAH → Purchase Price — base + rank → max FL home price with FL summer utility reality
- Funding Fee Calculator — first use vs subsequent + disability waiver
- PITI Payment Calculator — full monthly with FL county property tax + insurance + HOA
- Max $0-Down Purchase Calculator — income → max VA home price at 41% DTI guideline
- Florida disabled-Veteran property-tax exemption Tax Savings Calculator — disabled Veteran property tax exemption $ savings
- IRRRL Recoupment Calculator — 36-month VA rule pass/fail
- Disability Gross-Up Calculator — 25% boost to qualifying income
- Residual Income Calculator — VA's West region 2026 thresholds
- All calculators in one place
Core FL VA loan guides
- Home — site index + base routing
- Eligibility — COE, service requirements, entitlement
- 2026 FL Loan Limits — all 15 counties + jumbo
- Florida disabled-Veteran property-tax exemption Disabled Veteran Property Tax — 2026 expansion deep dive
- Funding Fee + Waiver — 10%+ disability waiver
- IRRRL Streamline Refi
- First-Time VA Buyer
- Assumable VA Loans
FL-specialist content (zero-national-coverage)
- FL DPA + VA Stacker — Hometown Heroes, FL Assist, and HFA Preferred with a VA loan
- VA Construction Loans in FL — single-close vs two-close + FL builder list
- Tribal Lands + NADL — Floridas tribes + Native American Direct Loan
- Hurricane & flood insurance — what lenders require, Citizens, and flood zones
- Jacksonville vs Tampa vs Pensacola — FL metro comparison
- Summer PCS Playbook — June-August buyer competition tactics
- FL Retiring Veteran Guide — top-3 US retirement state for Veterans
- VA Loan Glossary — 75+ FL-relevant terms
Comparison pages
Base hubs (deep PCS guides)
- NAS Jacksonville — P-8 Poseidon maritime patrol, Jacksonville
- MacDill AFB — CENTCOM / SOCOM, Tampa
- Eglin AFB — 96th Test Wing + Hurlburt (AFSOC), Fort Walton Beach
- NAS Pensacola — Cradle of Naval Aviation, Pensacola
City guides
- Miami · Tampa · Orlando · Jacksonville · Pensacola · Fort Lauderdale · Tallahassee
Veteran discounts
- Statewide FL veteran discounts — state programs + federal benefits + national chains
Free services
- FL VA Credit Tune-Up — free credit coaching for Veterans planning to buy in 6-12 months
- 60-Second Eligibility Check — 3-step intake, no credit pull
Connect with Mike
- About Mike — credentials, NMLS, philosophy
- Contact — phone, email, contact form
- For Real Estate Agents — Realtor referral playbook
External resources worth knowing
- NMLS Consumer Access — verify Mike's license + Cornerstone's license
- VA Home Loan Benefits (VA.gov) — official VA loan documentation
- FL Department of Veterans' Services — state Veteran programs
- Florida Housing Finance Corporation — Hometown Heroes + FL Assist + HFA Preferred
- Florida Hometown Heroes — up to $35,000 DPA for Florida workers