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Serving Those Who Served
Zero down, no monthly mortgage insurance, and some of the strongest homebuyer benefits in the country. Pure Equity Realty helps veterans, active-duty service members, and surviving spouses use their VA benefit across South Florida.
Estimate My VA Payment →Down Payment
$0 down for eligible buyers with full entitlement
Mortgage Insurance
No monthly PMI, ever
Florida Bonus
Disabled-veteran property tax exemptions
VA Loans in South Florida
The VA loan is the most valuable benefit most veterans will ever use to buy a home. Backed by the U.S. Department of Veterans Affairs, it lets eligible veterans, active-duty service members, National Guard and Reserve members, and many surviving spouses buy a primary residence with no down payment and no monthly mortgage insurance. In a market where saving a 20 percent down payment can take years, that difference is often what makes ownership possible now instead of later.
Pure Equity Realty represents VA buyers across Palm Beach, Broward, Miami-Dade, and the Treasure Coast at no cost to you. We know the parts of a VA purchase that trip people up, from the appraisal and property condition rules to getting a condo building approved, and we work only with lenders who close VA loans on time.
You qualify through your service record, which the VA documents in a Certificate of Eligibility. With full entitlement there is no VA loan limit, so your buying power is set by what a lender will approve based on income and credit, not by a cap. There is no monthly mortgage insurance, and rates are typically competitive because the VA guarantees part of the loan. A one-time VA funding fee applies to most buyers and can be rolled into the loan, and it is waived entirely for veterans receiving VA disability compensation.
Every VA purchase includes a VA appraisal that sets the value and checks the home against the VA's Minimum Property Requirements, which cover safety, soundness, and sanitation. Homes that need obvious repairs, or that have roof, wood-rot, or system problems, can hold up an approval until they are addressed. This protects you as the buyer, but it means your offer strategy and inspection timeline matter. We write offers with these rules in mind so a deal does not fall apart late.
So much of the region's inventory is condominiums, and a VA loan can only be used on a condo in a VA-approved building. Approval status changes over time, and a building's finances, litigation, or insurance can affect eligibility. Before you fall in love with a unit, we check whether the building is on the VA-approved list and flag the ones worth pursuing, so you spend your time on condos you can actually finance.
Florida is one of the most veteran-friendly states for property taxes. Veterans with a service-connected disability rating can qualify for a partial homestead exemption, and those rated permanently and totally disabled from service can qualify for a full exemption on their homestead. Combat-related disabled veterans age 65 and older may receive an additional discount tied to their disability percentage. These are applied through the county property appraiser, and we help you understand which ones may apply to your situation.
Related Resources
Use Your Benefit
Tell us your target area and price range and we will pair you with a VA-specialist lender and start sending eligible homes.
Questions
Yes. For eligible buyers with full entitlement there is no required down payment and no VA loan limit, which is the benefit's biggest advantage. You will still need funds for closing costs, though many of those can be paid by the seller or lender, and some are covered by the loan. A larger down payment is optional and can lower the funding fee, but it is never required to close a standard VA purchase.
The VA funding fee is a one-time charge that helps keep the program running for future veterans. The percentage depends on whether it is your first use of the benefit and how much you put down, and it can be financed into the loan rather than paid in cash. Veterans who receive VA disability compensation, and certain surviving spouses, are exempt from the funding fee entirely, which can save thousands at closing.
You can, but only if the condominium is in a VA-approved building. Because condos make up a large share of South Florida inventory, this is one of the first things we check. Approval can lapse if a building's finances or insurance change, so we confirm current status before you tour and steer you toward buildings you can actually finance with your benefit.
Yes. The VA benefit is not a one-time program. Once you sell a home and pay off the VA loan, your full entitlement is typically restored for the next purchase. In some cases you can even hold more than one VA loan at a time using remaining entitlement, which matters for service members who buy again after a move. A VA-experienced lender can confirm exactly how much entitlement you have available.
Yes, and they are significant. Veterans with a service-connected disability rating can qualify for a partial homestead exemption, and those rated permanently and totally disabled from service can qualify for a full homestead exemption. Combat-related disabled veterans who are 65 or older may receive an additional discount. These are filed with your county property appraiser, and the savings can be substantial over the life of ownership.
In almost every case, no. On a purchase the buyer's agent commission is typically paid through the transaction, so our representation costs you nothing out of pocket while giving you someone who negotiates on your behalf, manages the VA appraisal and inspection timeline, and protects your interests from offer to closing. Having your own agent is especially valuable on new construction, where the on-site salesperson works for the builder, not for you.