VA Refinance – Florida Lender
VA refinance programs provide Florida veterans and active-duty service members with some of the most flexible and cost-effective refinance options available. Whether you’re looking to reduce your interest rate, lower your monthly payments, or tap into your home’s equity, VA refinancing offers a streamlined path to better terms.
The VA IRRRL (Interest Rate Reduction Refinance Loan) is one of the fastest refinance processes in the industry, requiring minimal documentation and often no appraisal. For homeowners needing access to funds, the VA Cash-Out refinance allows you to replace your current loan while withdrawing equity for financial needs.
At Select Home Loans, we help service members and veterans maximize their VA benefits with clear guidance, competitive rates, and a simplified refinance experience.
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VA loans are one of the strongest benefits available to eligible veterans, active-duty service members, and surviving spouses. With no down payment required, no monthly mortgage insurance, and competitive rates, VA loans deliver real long-term savings versus other loan products.
Florida is home to a large veteran population and several active military installations. We work with VA buyers and refinancers across the state and understand the nuances — funding fee exemptions for service-connected disability, Tidewater appraisal challenges, condo project approval, and IRRRL streamline refinances.
Our VA loans typically close in 21–28 days, including the VA appraisal. Whether you're buying your first home, using your benefit a second time, or doing a streamline refinance, we'll walk you through eligibility and structure the loan to maximize your benefit.
Eligibility is based on length of service. Most active-duty members with 90+ days of service, veterans with 24+ months of continuous service, and qualifying reservists are eligible. Surviving spouses of service members may also qualify.
Yes — 100% financing is the standard VA benefit, up to the conforming loan limits. Above those limits (jumbo VA), a down payment may be required on the portion above.
A one-time fee that funds the program. It ranges from 1.25% to 3.3% depending on use of benefit and down payment, and can be financed into the loan. Veterans with service-connected disability are exempt.
Yes — the VA IRRRL (Interest Rate Reduction Refinance Loan) is a streamline refinance with no appraisal and minimal documentation. Closes in about 14 days.
Yes, but the condo project must be on the VA-approved list. We check eligibility up front.
