Florida VA Loan Resources Hub

Every free tool, guide, and resource Mike publishes, all in one place.

Program figures verified July 2026. Details change; confirm your scenario with us.

Downloadable PDFs

• The FL VA Loan Playbook: 30+ page 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 South 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: every FL county + jumbo
• Florida disabled-Veteran property-tax exemption Disabled Veteran Property Tax: 2026 expansion in-depth look
• Funding Fee + Waiver: 10%+ disability waiver
• IRRRL Simplify 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

• VA Loan vs FHA in Florida
• VA Loan vs Conventional in Florida
• VA Loan vs USDA in Florida

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
• Florida Department of Veterans' Affairs: state Veteran programs
• Florida Housing Finance Corporation: Hometown Heroes + FL Assist + HFA Preferred
• Florida Hometown Heroes: up to $35,000 DPA for Florida workers