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VA Loan Benefits for Disabled Veterans in Florida

Looking for VA loan benefits for disabled veterans? If you have a service-connected disability rating, buying a home in Florida comes with real advantages. Sam Gorniak is a retired Navy Chief Petty Officer with a VA disability rating himself, and he helps disabled veterans use every benefit they have earned.

Start Your VA Pre-Approval   Call Sam: (904) 687-9274

VA Funding Fee Exemption

Veterans who receive VA compensation for a service-connected disability are generally exempt from the VA funding fee. Purple Heart recipients on active duty and certain surviving spouses may also be exempt. Your Certificate of Eligibility shows your funding fee status, and we confirm it before closing.

Florida Property Tax Exemptions

Florida offers property tax exemptions for veterans with service-connected disabilities, including a full exemption on a homestead for honorably discharged veterans with a permanent and total service-connected disability, and a partial exemption for veterans rated 10 percent or more. Exemptions are applied for through your county property appraiser after you buy, and rules and deadlines apply. We point you to the right office in Duval, St. Johns, Clay, or Nassau County.

Other Programs

  • Specially Adapted Housing (SAH) and Special Housing Adaptation (SHA) grants through the VA for qualifying disabilities
  • Florida Hometown Heroes down payment help, when funding is available
  • Military closing discounts from title partners

Why Veterans Work With Sam Gorniak

  • Retired U.S. Navy Chief Petty Officer who has used the VA benefit himself
  • Independent mortgage broker who compares VA pricing from multiple wholesale lenders
  • Knows PCS timelines, orders-based closings, and buying from out of state
  • Works with title partners that offer military closing discounts

Schedule a free VA loan benefits for disabled veterans consultation with Sam.

VA Loan Benefits for Disabled Veterans FAQ

Does my disability compensation count as income?
Yes. VA disability compensation is generally counted as qualifying income, and because it is non-taxable, lenders may be able to gross it up.

When do I apply for the Florida property tax exemption?
After you own the home, you apply with your county property appraiser, usually by March 1 for that tax year. Check with your county for exact requirements.

Can my rating change my funding fee after closing?
If you receive a retroactive rating, you may be eligible for a funding fee refund. Ask us how to check.

More VA Loan Resources

VA loans in Florida · VA mortgage broker in Jacksonville · VA loans near NAS Jacksonville · VA loans near Mayport · Kings Bay sailors buying in Yulee · Camp Blanding and Clay County · VA loans in St. Augustine · VA IRRRL · VA cash-out refinance · benefits for disabled veterans · using your VA loan twice · VA loans with no loan limit · VA-approved condos

Talk to a Veteran Who Gets It

Start your VA pre-approval online or call Sam Gorniak at (904) 687-9274. Military buyers may also qualify for a $299 military settlement fee at Title Company of Florida.

Saverio (Sam) Gorniak, NMLS #1954721. Atlantic Trust Mortgage, NMLS #239592. Equal Housing Lender. Not affiliated with or endorsed by the U.S. Department of Veterans Affairs or any government agency. This is not a commitment to lend. All loans are subject to credit approval, VA eligibility, underwriting guidelines, and property eligibility. Programs may change without notice. This page is general information, not tax or legal advice. Title Company of Florida and Rental Property Partners are owned by Sam Gorniak’s family; Atlantic Trust Mortgage is not affiliated with them, and you are not required to use them.