VA Loans in Orlando

These loans make homeownership more affordable for veterans

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What Is a VA Loan?

A VA loan is a mortgage benefit earned through military service, backed by the U.S. Department of Veterans Affairs. It’s widely considered one of the best mortgage products available anywhere, offering terms that no conventional loan can match. VA loans are available for purchasing a home, refinancing an existing mortgage, or even building a new home.

Important Things You Should Know

No down payment required — you can finance 100% of the home’s value.
Your VA loan benefit can be reused — it’s not a one-time benefit. You can use it again and again as you move through life.
No private mortgage insurance (PMI) ever, regardless of your down payment amount. This can save hundreds per month.
Competitive interest rates that are typically lower than conventional loans because of the VA guarantee.
A one-time VA funding fee applies (which can be rolled into the loan), though disabled veterans and surviving spouses are often exempt.

0% down payment required — compared to 3–5% for conventional and 3.5% for FHA.

3.3%

The VA funding fee ranges from 1.25–3.3% depending on service type, down payment, and whether it’s your first use of the benefit.

.5%

VA rates average 0.25–0.50% lower than conventional mortgage rates, saving thousands over the life of the loan.

Steps To Apply For A Mortgage In Orlando

We'll Take You From Application to Closing in 30 Days or Less

Buying a home is one of the biggest financial decisions you'll ever make — and the mortgage process doesn't have to make it harder. At Edge Mortgage USA, we've built a clear, five-step path to help Orlando buyers go from first-time applicant to proud homeowner without the confusion or delays that slow most buyers down.

Whether you're purchasing your first home in Orlando or refinancing an existing one, our licensed mortgage advisors are with you at every stage — from preapproval through closing day.

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Preapproval is where every smart Orlando buyer starts. We'll review your income, assets, employment history, and credit profile to determine exactly how much you're qualified to borrow. This is not a rough estimate but a verified number that carries real weight in Orlando's competitive real estate market. Our preapproval process is fast, fully online, and gives you the clarity you need to shop with confidence.

Modern white house with large glass doors, a patio, swimming pool, and green landscaping under blue sky.

Once you've selected the right loan program, we'll issue your Prequalified Approval Letter, the document that tells sellers you're a serious, ready-to-buy borrower. Not sure which loan type fits your situation? Our Orlando Home Loan Specialists can walk you through conventional, FHA, VA, USDA, and jumbo options so you're moving forward with the right fit from day one.

Two-story suburban house with blue siding, purple shutters, front porch, and well-kept lawn on sunny day.

With your approval letter in hand, it's time to find your home. We recommend partnering with a local Orlando real estate agent who knows the neighborhoods, can match properties to your budget and priorities, and will guide you through the offer and negotiation process. Once your offer is accepted, Edge Mortgage USA coordinates directly with your agent to keep everything on track.

Modern two-story white house with three black garage doors and a covered porch with rocking chairs.

After your offer is accepted, your loan moves into underwriting, where we take a detailed look at your financials and the property to confirm everything meets lending requirements. Our team verifies your income and assets, orders the appraisal, confirms clear title, and coordinates all Florida state-required inspections. Once complete, you'll receive your Closing Disclosure outlining your final loan terms, monthly payment, interest rate, and closing costs.

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Closing day is the finish line, and Edge Mortgage USA makes sure you cross it with confidence. We'll schedule your closing meeting, walk you through every document you sign, and ensure there are no last-minute surprises. Just bring a valid photo ID and your closing funds via cashier's check or wire transfer, and once your loan is funded, you're officially an Orlando homeowner.

How do I know if I’m eligible for a VA loan?

Eligibility is based on your service history. Generally, you need 90 consecutive days of active service during wartime, 181 days during peacetime, or 6 years in the Reserves or National Guard. We can help you obtain your Certificate of Eligibility (COE) to confirm.

Is there a VA loan limit?

For borrowers with full entitlement, there is no loan limit — meaning no cap on how much you can borrow with zero down. If you have reduced entitlement (from a prior VA loan still in use), county-based limits may apply.

Can I use a VA loan more than once?

Yes. Your VA benefit is reusable. Once you sell a home and pay off the VA loan, your entitlement is restored. In some cases, you can even have two VA loans at the same time.

What’s the VA funding fee, and can I avoid it?

The funding fee is a one-time charge that helps fund the program. It ranges from 1.25% to 3.3% of the loan amount. Veterans receiving VA disability compensation and qualifying surviving spouses are exempt from the fee entirely.

VA Loans in Orlando

Get Started Today

What Is a VA Loan?

Important Things You Should Know

No down payment required — you can finance 100% of the home’s value.

Your VA loan benefit can be reused — it’s not a one-time benefit. You can use it again and again as you move through life.

No private mortgage insurance (PMI) ever, regardless of your down payment amount. This can save hundreds per month.

Competitive interest rates that are typically lower than conventional loans because of the VA guarantee.

A one-time VA funding fee applies (which can be rolled into the loan), though disabled veterans and surviving spouses are often exempt.

Who Is the Best Fit?

Steps To Apply For A Mortgage In Orlando

Frequently Asked Questions

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