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VA Loan Specialists in Neptune Beach, FL

Compare va loan specialists in Neptune Beach. Review contact information and insurance categorys before you decide.

2 agents listed
Updated June 2026
Neptune 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 State Mortgage Licensing Authority of Florida before hiring.
Showing 2 va loan specialists in Neptune 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.
Vine Lending Team
2050 Kings Cir S Suite 3N, Neptune Beach, FL 32266
(904) 913-7916 vinelendingteam.com
Beaches Mortgage Company
1408 Forest Ave, Neptune Beach, FL 32266
(412) 302-1919 beachesmortgage.com

A VA loan specialist in Neptune Beach Florida helps veterans and active duty service members navigate the home buying process using their VA entitlement. Florida law provides additional property tax exemptions for disabled veterans and surviving spouses, which can affect loan affordability. Local specialists understand the unique real estate market in Neptune Beach and can guide you through Florida specific closing procedures.

What Does a VA Loan Specialist in Neptune Beach Cost?

Typical costs for a VA loan specialist in Florida include an origination fee of 1 percent of the loan amount, though this can be negotiated. Third party costs such as appraisal fees range from 400 to 700 dollars, and title insurance costs vary by county. Florida law caps certain closing costs but does not regulate VA specific fees. 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 Neptune Beach Florida?
A VA loan specialist is a licensed mortgage professional who focuses on VA backed home loans. They help veterans determine eligibility, obtain a Certificate of Eligibility, and complete the loan process in compliance with Florida regulations.
What are the Florida specific benefits for VA loan borrowers?
Florida offers a property tax exemption for disabled veterans and their surviving spouses. This exemption can reduce annual property taxes, which may affect your overall housing costs. Your VA loan specialist can explain how this applies to your Neptune Beach home purchase.
How long does the VA loan process take in Florida?
The VA loan process in Florida typically takes 30 to 45 days from application to closing. Florida law requires specific disclosures and a 7 day right of rescission for refinances. Your specialist will keep you informed of each step.