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Looking for a va loan specialist in St Cloud? Review the directory below to compare your options.
9 agents listed
Updated May 2026
St Cloud, 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 9 va loan specialists in St Cloud, 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.
The Mortgage Firm- Saint Cloud Branch
1123 Florida Ave, St Cloud, FL 34769
4075930173
Ulysses Escobar, Mortgage Broker
1010 Pennsylvania Ave, St Cloud, FL 34769
4078376884
Nelson Monge - Element Mortgage Branch Manager
707 13th St, St Cloud, FL 34769
4073013931
Cathy Done - Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
4073604593
Sheiny Hernandez, Movement Mortgage
1418 S Narcoossee Rd, St Cloud, FL 34771
4077163774
Douglas De Almeida
3744 Briarwood Estates Cir, St Cloud, FL 34772
5083454749
Better Option Home Loans
5226 Northern Flicker Dr, St Cloud, FL 34771
4077546581
Mortgage Market Financial
4305 Neptune Rd, St Cloud, FL 34769
4079359511
Home Loans by Melissa Martinez
1015 11th St, St Cloud, FL 34769
4075930390
A VA loan specialist in St Cloud, Florida helps veterans and active duty service members secure home loans with no down payment. Florida law exempts VA loan borrowers from paying intangible personal property tax on mortgages, which can reduce closing costs. St Cloud is near Orlando and offers many new construction homes that may qualify for VA financing.
What Does a VA Loan Specialist in St Cloud Cost?
Typical costs for a VA loan specialist in Florida include a funding fee of 1.25% to 3.3% of the loan amount for first-time use, unless you are exempt due to a disability rating. Closing costs in St Cloud range from 2% to 5% of the purchase price, covering appraisal, title insurance, and lender fees. Some costs can be paid by the seller. 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 St Cloud Florida?
You must meet VA service requirements, such as 90 days of active duty during wartime or 181 days during peacetime. You also need a valid Certificate of Eligibility from the VA. Florida does not have state-specific eligibility limits beyond federal rules.
Does Florida charge property tax on VA loan properties?
Florida does not charge intangible personal property tax on VA loans. However, you still pay annual property taxes based on the assessed value of the home. Veterans with a service-connected disability may qualify for a property tax exemption.
How long does a VA loan approval take in St Cloud Florida?
The full process from application to closing usually takes 30 to 45 days. Florida law does not set a specific timeline, but lenders must follow federal VA guidelines. Delays can occur if the property needs a pest inspection or if the appraisal takes extra time.
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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.