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Directory of va loan specialists in Florence, Kentucky. Verify credentials with the state state mortgage licensing authority before hiring.
13 agents listed
Updated June 2026
Florence, KY
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 Kentucky before hiring.
Showing 13 va loan specialists in Florence, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
VA loan specialists in Florence, Kentucky help eligible veterans, active duty service members, and surviving spouses secure home financing with no down payment. Kentucky law exempts VA loan funding fees from state income tax, providing additional savings for borrowers. These specialists guide clients through the Certificate of Eligibility process and connect them with local lenders familiar with Boone County property values.
What Does a VA Loan Specialist in Florence Cost?
Typical costs for a VA loan specialist in Kentucky include an origination fee of 0.5 to 1 percent of the loan amount, plus third-party fees for appraisal and credit report. For a $250,000 home in Florence, total closing costs often range from $5,000 to $8,000, though the VA limits many fees. Some specialists charge a flat consultation fee of $100 to $300 for pre-approval guidance. 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 are the eligibility requirements for a VA loan in Florence Kentucky?
You must meet service requirements set by the Department of Veterans Affairs, such as 90 days of active duty during wartime or 181 days during peacetime. Kentucky has no additional state-level eligibility rules beyond federal standards. A Certificate of Eligibility from the VA is required to start the process.
How does the Kentucky property tax exemption work with VA loans?
Kentucky offers a property tax exemption for 100 percent disabled veterans and their surviving spouses. This exemption applies to the first $46,350 of assessed value for qualifying veterans. It does not directly affect the VA loan itself but can reduce your overall housing costs in Florence.
Are there any Kentucky-specific fees for VA loan specialists?
Kentucky does not impose a state fee on VA loan origination or specialist services. However, lenders may charge an origination fee of up to 1 percent of the loan amount, which is standard nationwide. Always ask for a detailed fee estimate before committing to a specialist.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Kentucky.