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Find VA Loan Specialists Near You in Panama City Beach, FL

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

7 agents listed
Updated June 2026
Panama City 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 7 va loan specialists in Panama City 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.
Coastal Haven Lending
13302 Hutchison Blvd, Panama City Beach, FL 32407
(847) 471-0485 coastalhavenlending.com
Blissful Mortgage LLC
309 Richard Jackson Blvd Ste 231, Panama City Beach, FL 32407
(850) 250-2677 blissfulmortgage.com
BOE Beaches
17651 Panama City Beach Pkwy #4, Panama City Beach, FL 32413
(850) 866-2963 boebeaches.com
Amber Ellis - Ameris Bank Mortgage
11790 Panama City Beach Pkwy, Panama City Beach, FL 32407
(850) 865-4560 bankers.amerisbank.com
Steven Cochran - Ameris Bank Mortgage
11790 Panama City Beach Pkwy, Panama City Beach, FL 32407
(850) 324-4092 bankers.amerisbank.com
VA Loans Xpress
309 Richard Jackson Blvd suite 232, Panama City Beach, FL 32407
(833) 567-3278 valoansxpress.com
DHI Mortgage
14251 Panama City Beach Pkwy, Panama City Beach, FL 32413
(850) 660-1730 dhimortgage.com

A VA loan specialist in Panama City Beach Florida can help eligible veterans and active duty service members obtain financing for a home. Florida law provides specific property tax exemptions for veterans with disabilities. Local specialists understand the Panama City Beach real estate market and can guide you through the VA loan process from pre approval to closing.

What Does a VA Loan Specialist in Panama City Beach Cost?

VA loan specialist fees in Florida are typically paid by the lender or included in closing costs. You may pay an upfront funding fee of 1.25 to 3.3 percent of the loan amount unless you are exempt due to a service connected disability. Some specialists charge a flat consulting fee between 250 and 500 dollars. Costs vary by case. 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 does a VA loan specialist in Panama City Beach do?
A VA loan specialist helps veterans and military members apply for a VA backed home loan. They assist with certificate of eligibility requirements and connect you with lenders who offer VA loans in Bay County Florida.
Do I need a Florida specific VA loan specialist?
Yes because Florida has unique property tax benefits for disabled veterans and specific homestead exemption rules. A local specialist knows Panama City Beach property values and can help you navigate these Florida specific benefits.
How long does a VA loan take in Panama City Beach?
A typical VA loan in Florida takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs or if appraisal issues arise. Your specialist will keep you updated on the timeline.