VA Home Loans — Zero Down, Veteran-Owned
Scott Carlin, 20-year Air Force veteran, helps veterans and military families in Florida and Texas buy homes with VA loans. Fast closings in 21-30 days.
Your Local Mortgage Company
TrueVet Mortgage is a veteran-owned mortgage company in Palm Bay, Florida, founded by Scott Carlin, a 20-year Air Force veteran and mortgage loan originator (NMLS# 2613509). We specialize in VA home loans, FHA loans, conventional mortgages, and jumbo loans for veterans, active-duty service members, and all homebuyers across Florida and Texas. Licensed through Xpert Home Lending, Inc. (NMLS# 2179191).
Proudly Veteran-Owned & Operated
As a 20-year Air Force veteran, Scott Carlin understands PCS moves, BAH, VA disability income, and the unique financial challenges military families face. That firsthand experience is what sets TrueVet Mortgage apart from large corporate lenders and call centers. When you work with TrueVet, you work directly with Scott from pre-approval through closing.
Our Home Loans
Explore our diverse range of loan programs designed to meet your unique financial needs. Whether you're buying your first home or refinancing, we offer tailored solutions to help you achieve your goals with ease.
Conventional Loans
Conventional loans offer flexible terms and competitive rates for qualified homebuyers. Ideal for those with strong credit and stable income, they provide affordable financing options.
- 30, 20 and 15-Year terms
- Financing up to $766,500
- Primary, secondary, investment
FHA Loans
FHA loans offer low down payments and flexible credit requirements, making homeownership more accessible.
- Only 3.5% Down Payment
- Easier Credit Qualifying
- 203k Renovation Loans
- 1st Time Home Buyers
VA Loans
VA loans provide exclusive benefits for veterans, active-duty service members, and their families, including no down payment and competitive rates. Backed by the VA, these loans make homeownership more accessible and affordable.
- Zero down, 100% Financing
- No Monthly PMI
- Up to $4M with full entitlement
JUMBO LOANS
Jumbo Loans provide high-value financing for luxury homes and properties exceeding conventional loan limits. Get competitive rates and flexible terms tailored to your needs.
- Loans up to $3,000,000
- Primary & Secondary Homes
- Investor Specific Guidelines
- Credit Score Minimum
TrueVet Mortgage - New Home Loans
Close on Time
In-house underwriting, processing and closing for fast approvals
Low Rates
FHA, VA, and USDA Approved Lender.
Service
Outstanding customer service. Read our reviews!
Home Loans Made Easy
TrueVet Mortgage is a veteran-owned mortgage company in Palm Bay, Florida, founded by Scott Carlin, a 20-year Air Force veteran (NMLS# 2613509). We specialize in VA home loans, FHA, conventional, and jumbo loans across Florida and Texas. Whether you’re buying your first home, refinancing, or PCSing to a new duty station, Scott works with you directly from pre-approval through closing — no call centers, no runaround. Fast closings in 21-30 days.
- Low Interest Rates
- Trusted Mortgage Experts
- Fast & Easy Approvals
- Flexible Loan Options
Why Work With TrueVet Mortgage?
As a 20-year Air Force veteran, Scott Carlin understands PCS moves, BAH, VA disability income, and the unique financial challenges military families face. That firsthand experience is what sets TrueVet Mortgage apart from large corporate lenders. You work directly with Scott from application to closing — one point of contact who speaks your language and gets the job done.
Have questions? Visit our VA Loan FAQ for answers about eligibility, credit scores, down payments, and more.
Use our free 2026 BAH Calculator to see how your housing allowance can cover your VA loan payment.
We serve veterans at every major military base in Florida and Texas. Visit our Military Bases page to find VA loan information near your installation.
Testimonials
What Our Clients Say
At TrueVet Mortgage, we take pride in helping homebuyers achieve their dreams with personalized mortgage solutions and exceptional service. Here’s what our happy clients have to say.
Ready to Get Started?
Buying a home or refinancing? TrueVet Mortgage is here to guide you every step of the way. With personalized mortgage solutions, competitive rates, and expert support, we make the process easy and stress-free. Apply today!
