Earned Benefits. Zero Down.
A VA loan can help eligible veterans, active-duty service members, and qualifying surviving spouses buy a Miami primary residence with no down payment on eligible purchases and no private mortgage insurance. Quest Mortgage Services checks your Certificate of Eligibility, entitlement, income, and property. Closing costs and a VA funding fee may still apply unless exempt.
Get a Free Mortgage Consultation$0 down payment on eligible purchases
No private mortgage insurance (PMI)
Competitive interest rates
Flexible credit and income guidelines
Available for purchase, refinance, and IRRRL
Reusable benefit — multiple VA loans over a lifetime
We confirm your VA eligibility and pull your Certificate of Eligibility (COE).
Review purchase price, funding fee, and monthly payment together.
Get pre-approved and start shopping Miami homes with confidence.
We handle VA appraisal and underwriting through a smooth closing.
Eligibility
90+ days active service during wartime, or 181+ days during peacetime
6+ years in the National Guard or Reserves (or 90 days active under Title 32)
Surviving spouses of service members who died in service or from a service-connected disability
Property must be your primary residence (no investment properties)
No specific minimum credit score from the VA — most lenders look for 580–620+
Sufficient income with debt-to-income generally up to 41% (higher case-by-case)
The Process
We pull your Certificate of Eligibility — usually instant.
Submit income and asset docs for a same-week pre-approval.
Once under contract, we order the VA appraisal and inspections.
Sign final docs and move in — funding fee can be financed.
FAQ
Yes — with full entitlement, the VA has no loan limit, so eligible veterans can finance 100% of the purchase price at any amount a lender will approve. Veterans with partial entitlement are capped by the 2026 conforming loan limit for Miami-Dade — $832,750, set by FHFA: https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026 — and can still buy above that with a down payment on the amount over the limit.
The VA funding fee is a one-time charge (typically 2.15% for first-time use with $0 down) that goes back into the program. It can be rolled into the loan, and veterans receiving service-connected disability compensation are exempt. Current official rate table: https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/
Yes. Your VA entitlement can be restored after paying off a previous VA loan, or you can use remaining entitlement on a second property in some cases. We help you map this out.
Yes, if the condo is on the VA-approved list. Many Miami buildings are already approved — we verify before you write an offer and can request approval for buildings that aren't yet on the list.
Most VA loans close in 30–40 days. We coordinate the VA appraisal early to keep your timeline on track.
Get In Touch
Have a question about buying, refinancing, or which program fits your situation? Reach out for a free consultation — Frank responds personally.
Phone
(305) 299-6995Office
3105 NW 107th Ave, Suite 400-H5, Miami, FL 33172