Future Home Loans is a Veteran-Owned mortgage broker headquartered in Jacksonville Beach, FL. We specialize in VA loans for Florida veterans, active duty service members, and surviving spouses. We help you use your VA benefit to buy or refinance — with no lender fees for veterans and a 14-day average close.
Future Home Loans has earned over 3,000 5-star Reviews and an A+ rating on the Better Business Bureau (BBB)
Serving those who served
With up to 80% LTV
14 day average
Work with a Future Home Loans VA loan specialist. Free, no obligation quote. Pre-approval in 24-48 hours.
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The VA loan is the most powerful home-buying benefit in America. You earned it — here’s what it gives you.
Finance up to 100% of the purchase price. No down payment required on most VA purchase loans.
Unlike FHA or low-down conventional loans, VA loans never require PMI — saving you $100-$300+ per month.
VA loans typically offer the lowest rates on the market — backed by the Department of Veterans Affairs.
e work with credit scores down to 580 in many cases. Bad credit doesn't have to disqualify your service.
We waive lender fees for every veteran client. Third-party costs (appraisal, title) still apply.
Your VA entitlement can be used multiple times — for moves, upgrades, and even simultaneous loans.
Florida is one of the most veteran-friendly states in the country. On top of your federal VA loan benefits, you may qualify for substantial state and local property tax savings.
Homestead Exemption. Florida homeowners can exempt up to $50,000 of assessed value on their primary residence.
Disabled Veteran Property Tax Discount. Veterans 65+ with combat-related disabilities receive a property tax discount equal to their VA disability rating.
100% Disabled Veteran Exemption. Veterans with a permanent service-connected total disability may be fully exempt from property taxes on their homestead.
No State Income Tax. Florida has zero state income tax — your VA disability and retirement pay go further.
Getting your VA loan is quick and straightforward. Here’s how it works.
We confirm your VA eligibility, pull your Certificate of Eligibility for you, and review the property requirements for VA financing.
Receive your loan approval and lock in your rate within 24-48 hours.
Complete closing documents and receive funds in as little as 2-3 weeks.
Over ten thousand real estate investors have been successful with our funding.
We are grateful for their positive feedback with an average rating of 5.0 stars (out of 5.0). Here are a few of the 3,000+ who have given a five out of five star review.
Join 10,000+ satisfied borrowers who chose Future Home Loans
for their home loan.