Honoring Those Who Served

Veterans &
Military Families

Maximizing every real estate benefit you’ve earned — with the respect you deserve

A Personal Commitment

From Tori’s Heart to Every Veteran

“Service and sacrifice run deep in my family. I have seen firsthand what military life demands — the moves, the uncertainty, the transitions, and the strength it takes to build a home in the midst of all of it. Helping veterans and active military members use every single real estate benefit they have earned is not just something I do. It is something I am passionate about.”

— Tori Held

Know Your Benefits

VA Loan Benefits — What You’re Entitled To

Many veterans don’t realize the full scope of what their service has earned them. Here’s what the VA home loan program offers.

$0 Down Payment

Eligible veterans can purchase a home with zero down payment — one of the most powerful benefits in the VA loan program. No PMI required either.

Competitive Interest Rates

VA loans typically carry lower interest rates than conventional loans, saving veterans thousands over the life of their mortgage.

No Private Mortgage Insurance

Unlike FHA and many conventional loans, VA loans do not require PMI, which can save veterans $100–$300+ per month.

Easier Qualification

VA loans have more lenient credit requirements and debt-to-income ratio standards, making homeownership accessible for more veterans.

Surviving Spouse Eligibility

In many cases, surviving spouses of service members who died in the line of duty or from a service-related condition may also be eligible for VA home loans.

Reusable Benefit

The VA loan benefit is not a one-time use. Eligible veterans can use their benefit multiple times, even simultaneously in some cases.

Beyond the Loan

Additional Resources for Veterans

The VA loan is just the beginning. There are a number of additional programs, grants, and benefits that veterans may not know about — and Tori can help you navigate all of them.

The Florida Hometown Heroes Housing Program helps Floridians in the workforce — including veterans and active military — purchase their first homes. It provides up to 5% down payment and closing cost assistance (up to $35,000) for eligible buyers who meet income requirements. Veterans are often given priority or expanded eligibility.

Veterans with service-connected disabilities may qualify for Specially Adapted Housing (SAH) or Special Home Adaptation (SHA) grants, which help modify or build a home to accommodate disability needs. These can be used in conjunction with a VA loan for maximum benefit.

Florida offers significant property tax exemptions for veterans, including up to $5,000 discount for wartime veterans with disability ratings, and a full property tax exemption for veterans with 100% service-connected disability. These can translate to thousands of dollars in annual savings.

Active duty service members experiencing a Permanent Change of Station (PCS) to Central Florida have unique needs and tight timelines. Tori specializes in fast, efficient home searches that work around military schedules — and can coordinate virtually when needed to make sure housing is ready when you arrive.

If you already have a VA loan, the Interest Rate Reduction Refinance Loan (IRRRL) allows you to lower your interest rate with minimal paperwork and no out-of-pocket costs in many cases. Tori can connect you with trusted VA-approved lenders to explore your refinancing options.

Not Sure What Benefits You Have?

Tori will sit down with you — at no obligation — and help you understand every benefit you may be entitled to as a veteran or military family member.

Book a Free Veterans Consultation

Eligibility

Who May Qualify for a VA Home Loan?

Active Duty Service Members

Served 90 or more days of active duty
Currently on active duty status
Statement of Service required

Veterans

90+ days in wartime, 181+ in peacetime
Discharged under conditions other than dishonorable
Certificate of Eligibility (COE) required

National Guard & Reserves

6+ years of service, or 90+ days active duty under Title 10
Discharged honorably or still serving

Surviving Spouses

Spouse of veteran who died in service
Spouse of veteran with service-connected disability
Not remarried (exceptions apply)

* Eligibility requirements may vary. Contact Tori for personalized guidance and a referral to a VA-approved lender.

Veterans &Military Families