Florida VA Loan Specialist: Shirley Mueller

VA Loan Specialist Shirley Mueller!

Working as a loan originator since 2003, Shirley has helped over 2000 Veterans with VA Home Loans. She has helped Veterans in almost every situation, including deployed personnel returning home or those with PCS orders. Shirley also helps disabled Veterans who...

Guiding Veterans Through Every Step of the VA Loan Journey in Florida

At VA Loans Florida, we proudly help veterans and active-duty service members across Florida achieve their dream of homeownership. Whether you're buying your first home, refinancing an existing property, or starting new construction, our dedicated team is here to guide you through the VA Home Loan process with expertise and care. We’re committed to making your path to homeownership smooth, affordable, and tailored to your unique needs.

Affordable Home Loan Solutions for Military Families

We understand the particular demands of military families. That's why we provide a variety of Veteran Home Loan alternatives tailored to your lifestyle and budget. VA Mortgage Loans, backed by the Department of Veterans Affairs, require no down payment, have competitive interest rates, and do not require private mortgage insurance, making homeownership more accessible to veterans.

Simplifying the VA mortgage process

As an experienced VA Lender, we want to make the VA Mortgage process as simple and stress-free as possible. We'll assist you in understanding your eligibility, perks, and paperwork so you can go forward confidently. From pre-approval to closing, you can rely on our staff to provide experienced advice and prompt, courteous service.

Build Your Future with a VA Construction Loan.

Are you looking to build your dream home from the ground up? Our VA Construction Loan options are ideal for qualifying veterans looking to build a custom home while utilizing your VA benefits to finance a VA Construction Loan with no down payment as well as no mortgage payments during the build process.

VA Loans Florida is delighted to serve veterans around Florida. Contact us immediately and let us help you maximize your VA benefits.

VA Loan Benefits


Florida Veterans and Active Duty service members can utilize the benefits afforded to them by the VA Home Loan Program to buy or refinance a personal home.  A VA Mortgage provides them the opportunity for a no down payment home purchase, along with less stringent qualification requirements.

In addition to 100% financing of a home purchase, VA Home Loans do not have private mortgage insurance (PMI). Most VA loans are 30 year fixed rate loans at interest rates comparable to conventional 20% down loan programs.  The Veteran home buyer’s closing costs can be paid by the seller, and VA Loans have lower minimum credit score requirements.  Click Here to Learn More

VA Loan Eligibility


VA Home Loan eligibility is dependent on when and how long you served in the Military, National Guard or Reserves. Most Veterans and Active Duty service members will be eligible if they have served for 181 consecutive days during peacetime or 91 consecutive days during wartime.  Click Here for Details About VA Loan Eligibility

Being eligible for a VA Mortgage loan is only part the requirements needed to obtain a Veterans Affairs mortgage.  In addition to being eligible, a Veteran or Active Duty service member must meet the income and credit requirements to qualify for a VA Loan.  These requirements are less stringent than conventional loans: Click Here to Learn More

VA Loan Refinancing


Veterans and Active Duty service members in Florida who own their home may be eligible to refinance their mortgage using their VA Loan benefits.  A VA Loan refinance can lower your rate and payment, and/or provide “cash out” for home improvement projects, debt reduction, or any other purpose.

There are a few different types of VA Refinance loans.  For those that currently have a VA Home Loan, usually, a VA Streamline Refinance loan is the best option.  For those who have a conventional, FHA or another loan program a traditional VA refinance or VA Cash Out loan may be right for you. Click Here for More Information About Refinancing

Disabled Veteran Benefits


Florida Veterans who have a disability rating from the Department of Veterans Affairs are entitled to additional benefits in relation to their VA Loan and Florida property taxes. These benefits are available to eligible Veterans and unmarried surviving spouses of an eligible Veteran who died in service or as a result of service-related injuries.

Veterans with a 10% or greater disability rating are exempt from the VA funding fee. Veterans living in Florida who have a 100% disability rating may be eligible for a complete exemption from taxes on their personal home. Other benefits apply for those with less than 100% disability. Click Here to Learn More 

VA Loan Rates


Veteran Home Loan interest rates change with the fluctuations in the financial markets.  With VA Loan rates still near historical lows, Veterans can use this opportunity along with the other advantages of a VA Home Loan to purchase and home and utilize the benefits they have earned.

Several factors determine what your rate will be for a VA Mortgage loan.  In order to accurately quote you a rate, we must first help you get pre-qualified.  Also, because VA interest rates fluctuate with conditions in the financial markets until your loan rate has been locked in it may change and move higher or lower. Click Here to Get Started

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MISS MIAMI REALTY
17:19 25 Apr 23
Shirley was an absolute pleasure to work with. Her process was very thorough and simple for my Buyer . She was knowledgeable and helpful! I will definitely work with her again!
Marketa Burnett
17:09 07 Apr 23
This was probably the best home buying experience ever. From start to finish the process was smooth and nonstressful. Shirley and Karolina was a blessing to work with, and provided excellent communication throughout my home purchase.
Randall Selby
13:57 26 Mar 23
Just FYI I am a realtor in the Greater Houston area, and I must say that Shirley has done a fantastic job with all of my clients. Communication is key with lenders and Shirley’s is top notch. She does loans in multiple states and markets! Her passion is helping our veterans achieve home ownership, and she has been a blessing to me and my clients.
Darren Killebrew II
21:53 22 Nov 22
I would like to thank Shirley, Karolina, and everyone involved for all their help. They had gone above and beyond in helping us purchase our home. I was very impressed! I would very much recommend them to anyone who is looking to purchase a home in east Texas.
Gabriel Luna
20:58 04 Nov 22
Shirley was such a huge help. She was through all the steps that needed to be taken. Would highly recommend Guaranteed Rates because of Shirley!
nathaniel coarteson
18:06 14 Oct 22
Shirley and her team is awesome!! I am in my beautiful home that they went over and beyond for me to get… I a so happy with my purchase thanks again to Guaranteed Rate. 😀😀😀
Joshua Thomas
06:56 26 Sep 22
Ms Shirley and her team were among the top teir customer service representatives I have ever had the pleasure of working with. I'll admit, I was apprehensive at first, given the number of people that had their hands in everything. Tends to lead to confusion and things getting messed up, which takes time to fix. I brought an issue to Ms Shirley and without hesitation, calls the team members involved and conferences the issue. Absolutely stunned when that happened. This goes to show you the dedication of this team and I would absolutely recommend them to anyone! Thank you and I can't say it enough. Still hope for humanity yet.
Jennifer Young
13:28 30 Aug 22
All transactions went smoothly. VA Loans kept me updated through the loan process and returned phone calls immediately. We even closed a week ahead of schedule! Thank you for all your hard work!
Sheryl Wilson
19:57 01 Aug 22
What a wonderful supportive company this is. They helped me every step of the way with my VA loan. Thank you so much Karolina for your hard work in getting this done. You are awesome 🙂
Felicia Agosto
04:01 27 Jul 22
First time buying a home and Shirley and her team were flexible with me as I transitioned out of the military. They made this milestone one to remember ! Super glad I went with guaranteed rate.
Deborah Bassett
18:29 20 Jul 22
We had a nightmare of an experience with a previous lender but Shirley and Karolina went above and beyond to not only get us into our home, but provide the best customer service possible! They fought hard for us and thanks to them, we are finally living in our dream home. I highly recommend valoanstexas!
court stimmel
00:53 14 Jul 22
Very painless VA loan. Much better than prior company I used. Thank you
ary park
16:42 11 Jul 22
everyone was very easy to work with. they were very knowledgeable on every part of the process
Steven N.
18:14 14 Jun 22
Excellent service and would recommend to anyone seeking a VA home loan. Thank you Shirley and team for your help!
Katie Thebeau
18:39 17 Apr 22
I had a great experience with Shirley Mueller at guaranteed rate!! I bought my first home with a loan through them, they guided me through the process and i got a great rate…incredibly appreciative and highly recommend her and her team, especially for first time home buyers 🙏🏼Thank you again!!
Victor Bernal
17:38 29 Mar 22
I am so pleased with the team lead by Shirley Muller at Guaranteed Rate. I was able to get the home of my dreams thanks to the magnificent Job of all the members of Ms. Muller's team. Everything was handled with the upmost professionalism and spectacular costumer service. I closed on time and on the date that it was scheduled for with no changes. The team guided me all the way and from all the closings of my other 4 homes this was the easiest one, not as stressful as other times when purchasing a home. I would definitely recommend Shirley Muller to anyone looking to purchase a new home specially military veterans, " they will take care of you all the way" . Thank you so mcuh Shirley Muller and entire team for all your help and hard work.
Luz Antolinez
15:43 25 Mar 22
Shirley and her team were fabulous! They handle all the paper work and guided us through the process of buying our new home! Thank you so much for taking such good care of us!! We totally recommend their team!!
Matt Perez
03:15 25 Feb 22
Shirley and her friendly team are professional and provided my client with a smooth, on-time transaction. Highly recommend!
Rob Slott
18:37 17 Feb 22
Wonderful team to work with. They handled everything every step of the way and was always easy to contact.
Chuck Clark
16:11 02 Feb 22
Shirley and her team were the best. I would recommend them above any other lender for veterans and using their VA benefits. They were in constant contact with us throughout everything. Highly Recommend them!
Derrick Valencia
04:53 28 Nov 21
Shirley, Angie and their team are amazing. Customer service is their specialty. It was truly a great experience. The process was quick and easy. They made my first home purchase one to remember. I would highly recommend Guaranteed rate.
Claudia Harris
18:18 18 Nov 21
I was in a tough situation after my divorce and even with a low credit score Shirley Mueller and her team at Guaranteed Rate were able to get me approved for a refinance when other lenders couldn't. I encourage you to give them a try first! They're an awesome team and I highly recommend them!
Brian Chapman
22:25 10 Nov 21
Absolutely top notch!!! This being our first home, I had no idea what to expect, and to be honest the thought of getting through this was quite stressful! This entire process from start to finish has been nothing short of amazing and stress-free. Everyone has been extremely friendly and helpful! All of my questions and concerns were addressed quickly and promptly! You have all made this veterans dream of home ownership come true, what a pleasure this journey has been! Thank you all!!
Crystal Murphy
15:11 05 Nov 21
Shirley was a pleasure to work with! My client and I had a very smooth transaction with Shirley. She is also very quick in respond to in questions or concerns.
Wilson Pemboh
06:03 13 Oct 21
Shirley Mueller and her team, especially Ashley Lundgren, were very resourceful to me throughout the entire process - from prequalification through to closing. But for their determination, persistence, and resolve, I would not have been successful with the homebuying process. Shirley was especially professional yet, very personable and relatable. I would recommend Shirley and her team from Guaranteed Rate any day.
Dustin Krieger
22:42 25 Sep 21
If you are looking for the best VA originator then Shirley is your 1 stop shop! Ultra low rate and really did a great job from start to finish!
Laurie Rad
18:44 20 Sep 21
Working with the VALoansTx team to purchase our home in Texas was an amazing experience. Shirley, Angie, Ashley, and their team were in constant communication with us, making sure that we knew what to expect with every step of the complicated process. In today’s crazy housing market, it was comforting to know that we had an entire team that was only a phone call away. They were quick to answer calls, emails and always very friendly and personable. We could not have achieved this dream without VALoansTx on our team. We will highly recommend to everyone we know buying a home with a VA loan.
Pinchas Bard-wigdor
16:16 15 Aug 21
Although there were bumps in the road, we closed on time and that's what matters! Ashley I very quick to respond to emails even after hours! Angie is very patient and knows what the clients needs are!
Mark Perez
23:00 29 Jul 21
Shirley and her team were amazing!! Shirley was upfront, honest, transparent and communicated excellent 100% of the time. Shirley and her team closed our home in 12 days very impressive. I highly recommend Guarantee rate and Shirley Mueller for your current or next home loan. Keep in mind not all mortgage loan officers are equally the sane!!! You can trust Shirley 100% with zero worries!! Shirley. Angie and Ashley thank you so much for all your work!! It’s obvious you all are very knowledgeable!!Thank youMark
Chauncey Taborn
21:17 21 Jul 21
Great group of people I want to thank Angie, Lori, Ashley and If I'm forgetting you I'm so sorry. Thank you for everything!!!
Trina LaFauci
16:32 24 Jun 21
Such a pleasure to work with this mortgage company. I have done many VA loans with Angie Frazier. She always does a fantastic job of communicating and taking the best care of her clients. I would definitely recommend her for any type of home loan.
Anthony Abbott
11:10 28 May 21
Shirley Mueller and her team were awesome. They were so very helpful to us during our home buying experience. They were very professional and responsive to our many concerns and questions. They explained everything clearly to us. Great team to work with, especially if you’re a Veteran.
Damion Pitters
15:46 15 Apr 21
Shirley Mueller Ashley Lundgren and the entire Team at Guaranteed Rate was amazing throughout the entire loan process. As a Army veteran and first time homebuyer relocating from New York to Texas their online loan process was absolutely unbelievable❤️🙌 they were very responsive with any questions I had very easy to reach on the phone and worked very hard and quickly to resolve any issues that arose during the process. My loan was able to close in 29 Days from the moment a signed contract was received by the lender I would highly recommend any Veteran or Civilian needing home financing to contact Shirley Mueller at Guaranteed Rate wish I could give 100 stars.
Timothy Cox
16:48 02 Mar 21
Thank you God!!! There are not enough "stars" to rate this company. Shirley Mueller and the Guaranteed Rate Team are superb!!! They are heaven sent. Their services are off the chart!Thank you Jonathan, Karolina, and Ashley! You made our first homebuying experience exciting and easy! There were many that told us "NO" but Guaranteed Rate... you said YES! Thank you Ashley for everything! Your expertise was phenomenal and your encouragement will never go unforgotten! Thank you again Shirley for making our dream a reality! We knew from the jump that you were the right fit for our needs. You held our hand through the entire process as if it was a purchase of your very own. We are forever grateful! Continuous blessings to you and your team!!! #HIGHLYRECOMMENDED
James Shepherd
17:22 31 Jan 21
Shirley Mueller, and her entire team, were phenomenal to work with. All home loan details and notices were communicated to me with enough lead time to act on the documents. The very best home loan team is at Guaranteed Rate without doubt!
Olatunde Olatunji
22:50 13 Jun 20
Excellent customer service by Shirley and her team. They promptly returned our calls/emails. Shirley once returned my call from home on her day off. That’s the type of emphasis she places on customer service/satisfaction. She and her team made refinancing process a breeze for us. This is our second closing in three months span. Will definitely be using their services again in the future. Highly recommends her business to all service members and vets.
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