Simple Home Loans, Inc. is a private, Florida-licensed mortgage broker — not the Department of Veterans Affairs, not a government agency, and not endorsed by any government agency.
VA Home Loans
Explore Your VA Home Loan Options
If you served — or you're the surviving spouse of someone who did — a VA-guaranteed home loan may be one of your strongest options. We help potentially eligible borrowers in Florida understand VA eligibility, the Certificate of Eligibility, and what the process actually involves.
Simple Home Loans, Inc. · NMLS #1913205 · Licensed in Florida · Equal Housing Lender
Why VA loans matter
A benefit you earned — worth understanding properly
For eligible borrowers, VA-guaranteed financing may allow buying a home with no down payment, and the program carries other features many borrowers find valuable. None of it is automatic: zero down is not guaranteed, a VA funding fee may apply (certain borrowers may qualify for an exemption), and every loan remains subject to eligibility, entitlement, and underwriting.
Our job is to give you straight answers about what the VA path looks like for your specific situation — starting with eligibility and the Certificate of Eligibility, and continuing through appraisal, occupancy, and underwriting requirements.
Eligibility overview
What goes into VA loan eligibility
Veterans, active-duty service members, National Guard and Reserve members, and certain surviving spouses may be eligible. The essentials:
- VA eligibility must be established — service history determines it, and the VA decides it
- A Certificate of Eligibility (COE) is a standard part of the process
- Entitlement matters, especially if you've used a VA loan before
- Credit, income, and residual-income requirements apply
- Property, appraisal, and occupancy requirements apply
- Underwriting and lender requirements apply on top of VA guidelines
Want background reading first? Our VA loan program page covers the fundamentals.
The process
How we work with VA borrowers
Talk with a specialist
We start with your service history, goals, and timeline — and explain what the VA path involves for your situation.
Establish eligibility
We help you understand the Certificate of Eligibility and what your entitlement picture may support.
Move toward closing
Documentation, appraisal, underwriting, and closing — with VA-specific requirements handled along the way.
VA home loan FAQ
Do VA loans really allow zero down?
Eligible borrowers may be able to purchase with no down payment under VA guidelines — but zero down is not guaranteed for everyone. Entitlement, the transaction itself, credit, income, and underwriting requirements all factor in.
What is a Certificate of Eligibility?
The Certificate of Eligibility (COE) documents to the lender that you meet VA service requirements. Obtaining it is a standard part of the VA loan process, and a loan officer can walk you through what's involved based on your service history.
What is the VA funding fee?
Most VA loans include a funding fee paid to the VA, which varies by circumstances. Certain borrowers — for example, some receiving VA disability compensation — may qualify for an exemption. Whether an exemption applies to you is determined during the process, not by this website.
Are there property or occupancy requirements?
Yes. VA loans carry property, appraisal, and occupancy requirements, and lender and underwriting requirements also apply. A consultation can help you understand how those requirements interact with the home you have in mind.
Is Simple Home Loans part of the VA?
No. Simple Home Loans, Inc. is a private, Florida-licensed mortgage broker. We are not the Department of Veterans Affairs, are not a government agency, and are not endorsed by or affiliated with any government agency.
Talk with a VA loan specialist
Whether you're just starting or already have your Certificate of Eligibility, a licensed loan officer can map out your next step — no obligation, no credit pull.
Simple Home Loans, Inc. is a private, Florida-licensed mortgage broker. We are not the U.S. Department of Veterans Affairs (VA) and we are not a government agency. This website is not endorsed or sponsored by the VA or any government agency. VA eligibility, entitlement, and benefits are determined by the VA, not by Simple Home Loans, Inc..
Simple Home Loans, Inc. · NMLS #1913205 · 5801 NW 151 Street #306, Miami Lakes, FL, 33014 · Phone: (786) 504-5800 · Licensed in Florida · NMLS Consumer Access
This page is for general informational purposes only and is not a commitment to lend, a rate quote, or an approval. Program availability, eligibility requirements, and terms vary and are subject to underwriting, program guidelines, and change without notice. Not all applicants will qualify. Submitting a form on this page is a request for a consultation — it is not a mortgage application, and no credit decision has been or will be made based on it. This content is not individualized financial, tax, or legal advice.
Equal Housing LenderPrivacy PolicyLegal & DisclosuresAccessibilityBack to mysimpleloan.net