VA mortgages allow qualified Florida buyers to finance 100% of a home's value with no down payment, backed by the U.S. Department of Veterans Affairs. Eligible applicants include veterans, active service members, and certain spouses. VA loans require no private mortgage insurance and have no official loan limits for those with full entitlement, enabling purchases in high-cost areas. Closing costs apply, but sellers can contribute, and some buyers may be exempt from the VA funding fee.
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