VA Funding Fee

The VA Funding Fee is required by the Department of Veterans Affairs, not the lender originating the VA Loan.  It is part of the Federal VA Loan program and helps to fund and insure the program.

Veterans who have a disability rating of 10% or greater are exempt from the VA Funding Fee.  Eligible surviving spouses of Veterans who died in service, or as a result of service-related injuries are also exempt from the VA Funding Fee.

For the majority of Veterans buying a home with their VA benefits for the first time, the VA Funding Fee will be 2.15% of the loan amount.  It’s important to remember that most of the time the VA Funding Fee is not paid out of pocket, but is included in the loan amount.

The VA Funding changes based on several factors including:

  • If it is the borrower’s first VA Mortgage;
  • If there is a down payment;
  • Different fees for the Reserves/National Guard;
  • If the VA mortgage is a refinance loan.

We will help you determine how much, if any amount, your funding fee will be when we pre-qualify you for a VA Mortgage loan.

To get started on your VA Home Loan, call us at 561-810-1711 or fill out the short form on this page.  A  specialist from our team will contact and assist you with your VA Mortgage pre-qualification.

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...


  • Pre-Qualifications are Always Offered with No Obligation

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