VA Loan Key West Florida

Get Your Key West VA Home Loan Quote in Minutes:

No Money Down VA Home Loan Key West Florida
No PMI Insurance 
Low Rates
Multiple Uses Allowed


Benefits of a VA Loan In Key West Florida

Benefits of VA Home Loan key West

VA loans have many notable benefits. Some benefits of VA loans that cannot be overlooked include:

  • Competitively low-interest rates, especially when receiving a VA loan from a private mortgage lender such as specializes in loans for veterans and service members.

  • No down payment is required for VA loans, as opposed to the standard 20% down payment for traditional loans or 3.5% down payments for FHA-qualified loans. At, we can help you navigate this to ensure you are getting the best deal and the best rates possible.

  • Limited closing costs are also available with a VA loan, helping to save on the total cost of investing in a primary home.

  • No need for Private Mortgage Insurance (PMI)

As a veteran or a current active service member, you can use the VA home loan service throughout your entire life and even multiple times as you invest in more homes and properties.


VA Loan

VA loan Key West Florida are one of the most popular mortgage options on the market for Veterans, active military and surviving spouses.

The power behind the VA home loans Key West comes from a handful of significant financial benefits not typically found in other mortgage types. 

These advantages compared to different loan options are a big reason why VA loan volume has grown considerably over the last 10 years.

VA loans have had the lowest average 30-year fixed rate on the market for the last six years, according to data from ICE Mortgage Technology.


Advantages of a Key West, FL VA Home Loan

The VA Loan Key West Florida does not require a minimum credit score, although lenders usually have some requirements to minimize their risk. But because this is a benefits program, Key West mortgage guidelines are often more flexible than they would be for conventional loans.

You can even apply for a VA Home loan Key West just two years after a bankruptcy has been discharged. A full explanation of the bankruptcy will be required. Job stability is a must in this situation. It is also possible to apply for a VA loan in Key West, FL just two years after a foreclosure.

Since Key West VA loans are backed by the government, lenders can often offer lower rates than they would be able to for a traditional loan. Eligible service members in Key West will generally pay a better interest rate with a Key West VA loan than they would have with a conventional mortgage. This means that you can get a better home for the same monthly payment than you would have been able to without the Key West VA loan program.

Rates for VA Home loan Key West are not set by the Department of Veterans Affairs, despite popular belief. Key West, FL VA-approved lenders and brokers set their own rates, often on a daily basis. Key West VA loan rates change with the financial market just as rates for conventional mortgages do.


Key West VA Mortgage Application

To apply for a VA home loan in Key West click here!

Key West home buyer closing costs assistance. If you purchase a home in Key West, VA home Loan Centers may be able to provide closing cost assistance. Call 800-826-5077 option 0 to speak with a home loan specialist.

Veterans in Monroe County

Monroe County has a veteran population of 7,700. The County maintains three Veterans Affairs Department offices, all in the Keys. These offices guide veterans and active duty service members access the federal benefits that they are entitled to. Among these entitlements are transportation to the Miami VA Medical Center, burial allowances, and benefits for surviving spouses, educational benefits, insurance claims and appeals of social security. 

The Veterans Affairs Department has a mission of enhancing the quality of life for veterans, surviving spouses and dependents through claims, benefits, and entitlement guidance. Additional help with claims can be received at the Key West Coast and NAS Key West, both of which operate as intake sites for pre-discharge claims assistance. The Key Largo Vet Center Outstation serves as a readjustment counseling center. This site holds hours Monday thru Friday from 8:00 a.m. to 4:30 p.m.

Veterans and active military members are provided with health and wellness services at the VA outpatient clinics in Key West and Key Largo. The Key Largo Community Based Outpatient Clinic offers primary care, immunizations high blood pressure treatment, lab work, and psychiatric services. In order to schedule an appointment at this clinic, pre-registration with the Miami VA Healthcare System must take place. The Key West VA Outpatient Clinic offers the same services, however unlike Key Largo this site has pharmaceutical services because the naval pharmacy is next door to the clinic. Pre-registration at this clinic can be done in person.

Nearly 2,000 active-duty personnel, 2,500 military family members, and less than 100 naval reserves live in Key West, as a result of the operational military base Naval Air Station Key West. This base has a national security mission that places emphasis on the operational readiness for the Department of Defense, Department of Homeland Security, National Guard, and other federal agencies. The station is equipped with aerial training ranges and a Tactical Combat Training System. 

The Navy has maintained a presence in Key West since the early 1800s. Today the base is home to Fighter Squadron Composite 111, Strike Fighter Squadron 106, Joint Interagency Task Force South, Army Special Forces Under Water Operations School and U.S. Coast Guard Sector Key West.

Veterans, who own property in Monroe County, qualify for a property tax exemption if they have received a disability rating of 10 percent or higher. Under this circumstance, the exemption amounts to $5,000. Veterans with a 100 percent rating are entitled to a full property tax exemption.

Area Info

Located on the southern tip of the state of Florida Monroe County has a history that dates back long before European exploration. During Pre-Columbian times, the area was inhabited by the indigenous Calusa People. Juan Ponce De Leon was the first European to traverse the county, and it was established as a Spanish territory in the early sixteenth century.

The largest city and council seat of Monroe County, Key West was originally called Cayo Hueso by Spanish settlers, meaning bone cay. The origin of this term is said to relate to the Calusa, who used the island as a communal gravesite. Monroe County was established as an American county in July of 1823. The region is named for the fifth President of the United States, James Monroe.

Get the Best VA Loan Key West, Florida VA Mortgage Rate

If you’re looking for a personal mortgage experience you’ve come to the right place.  Get the best of both worlds with a designated VA professional plus technology.  What’s even better are the lower rates, no upfront fees and fast closings.  

Rates so low the nations largest VA lenders panic when consumers find out about our Key West VA Mortgage Rates.

Connect with your personal VA Loan Expert near Key West, FL by calling 800-826-5077.

Zero Down VA Home Loan Key West and surrounding areas
Bahama Village, Old Town, Islamorada, Sugar Loaf Key, Marathon, Stock Island, Sunset Key, Homestead, Miramar, Pembroke Pines, Miami, Coral Springs, Hollywood, Pembroke Pines and more.. 

Get Your VA Home Loan Key West Quote


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