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Directory of va loan specialists in Miami Beach, Florida. Verify credentials with the state mortgage licensing authority before hiring.
6 agents listed
Updated May 2026
Miami Beach, FL
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Florida before hiring.
Showing 6 va loan specialists in Miami Beach, FL
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Ross Home Loans
100 Lincoln Rd # Cu7, Miami Beach, FL 33139
3057638023
Expert Home Mortgage Inc.
429 Lenox Ave., Miami Beach, FL 33139
3059495626
Miami Beach Mortgage Lenders
7314 Collins Ave, Miami Beach, FL 33141
9542750498
Foundation Mortgage Corporation
Michigan Ave #700d, Miami Beach, FL 33139
3055323995
Halpern & Associates Mortgage Corp
1680 Michigan Ave Suite 1001, Miami Beach, FL 33139
3055352230
Matt Stenta-Mortgage Loan Officer
500 Collins Ave, Miami Beach, FL 33139
9177042731
A VA loan specialist in Miami Beach, Florida helps veterans and active duty service members secure home loans with no down payment and competitive rates. Florida law exempts VA loan funding fees for certain disabled veterans under Florida Statute 196.012. Miami Beachs high property values require careful lender selection to maximize your VA entitlement.
What Does a VA Loan Specialist in Miami Beach Cost?
Typical costs for a VA loan specialist in Florida include an origination fee of 0.5% to 1% of the loan amount plus third party fees for appraisal, title search, and recording. For a $500,000 home in Miami Beach, total closing costs often range from $8,000 to $15,000. The VA funding fee is 2.15% for first time use with 0% down but is waived for disabled veterans. Florida law limits prepayment penalties on VA loans. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is a VA loan specialist in Miami Beach?
A VA loan specialist is a mortgage professional who guides veterans through the VA home loan process. They help with certificate of eligibility, property appraisals, and closing in Miami Beach. Florida has many lenders but only a few focus on VA rules and local market conditions.
Do I need a Florida specific VA loan specialist?
Yes because Florida has unique property tax exemptions for veterans and specific appraisal rules for coastal areas like Miami Beach. A local specialist understands flood zone requirements and condo approval lists. They also know how to handle high HOA fees common in Miami Beach.
What are the VA loan limits for Miami Beach in 2025?
For 2025 the VA loan limit for Miami-Dade County is $1,149,825 for a single family home. Veterans with full entitlement have no limit if they can qualify for the loan amount. A specialist can help you calculate your remaining entitlement for a second home.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Florida.