Home Loans for Active Military in Florida

On active duty, your VA loan plus BAH makes homeownership realistic even with a PCS on the horizon — we plan the loan around your orders, not against them.

Down

BAH

Counts as Income

PCS

We Time It

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Get Pre-Approved in Active Military

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Active Military · Florida

Home Loans for Active Military From a Florida Mortgage Broker

Active-duty buyers deal with PCS moves, deployment, and pay that mixes base pay with BAH and allowances. We count BAH and base pay the way VA guidelines allow, time the closing around your report date, and keep the file ready so a deployment or a move does not derail it. Stationed near a Florida base, the VA loan with $0 down is usually the strongest play.

The hurdle is usually the same one: PCS moves, deployment timing, and translating military pay into qualifying income trip up lenders who rarely write VA loans. As a broker rather than a single bank, we focus on VA home loans with $0 down and no PMI and shop the file to the lenders that write it well.

Programs That Fit Active Military

✓VA loan. $0 down, no monthly mortgage insurance, and competitive rates backed by your earned benefit.

✓VA jumbo. For higher-priced Florida homes, often still with little or no down payment.

✓FHA loan. A backup if the property or situation does not fit VA guidelines.

✓Conventional loan. Worth comparing when you want to preserve VA entitlement for a later purchase.

Want the detail? See the best loan programs for active military or walk through how to qualify step by step.

What to Bring

✓Certificate of Eligibility

✓Leave and Earnings Statement

✓DD-214 (if separated)

✓Bank statements

✓Photo ID

How It Works

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for active military

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Active Military Home Loan Questions

Does BAH count as income for a VA loan?

Yes. Basic Allowance for Housing is counted as qualifying income on a VA loan, and because it is tax-free it can be grossed up in some calculations. We document your LES so base pay and BAH both work in your favor.

Can I use a VA loan if I might PCS soon?

You can, but it pays to plan. If a move is likely, we talk through whether to buy and rent it out later or wait. VA occupancy rules expect you to live in the home, with reasonable accommodations for active-duty timing. We map it to your orders.

Keep Going

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Home Loans for Active Military?

A licensed Florida mortgage broker who shops the loan for you — 5-minute pre-approval, honest rates.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.