VAMortgagesUSA.com

ABOUT US

Meet Carl Hendrix | Florida VA Loan Specialist

I’m Carl Hendrix, founder of VA Mortgage Florida, based in Lake Mary, Florida.

With over 29 years of mortgage experience, I’ve helped hundreds of veterans, active-duty service members, and military families successfully navigate the home loan process.

I specialize in VA home loans in Florida, not as a side offering — but as a primary focus. That means you get expert-level guidance on everything from VA eligibility and entitlement to appraisal and underwriting requirements.

My Promise to You

When you work with me, you get:

Direct access to me — not a call center
Clear, straightforward answers
No surprises at closing
A smooth, low-stress process

My mission is simple: honor your service by delivering the best possible home financing experience.

Why Veterans Choose VA Mortgage Florida

Why Veterans Choose VA Mortgage Florida

29+ Years of Mortgage Experience
VA Loan Specialist (Not a Generalist)
Fast Closings & Clear Communication
Trusted by Florida Veterans & Realtors
Based in Lake Mary, Serving All of Florida

👉 Work with a lender who truly understands VA loans

Ready to Get Started?

Let’s put your VA benefits to work.
Call 407-234-5371 or click Apply Now to start your VA loan journey today

VA Loan Process

VA Loan Process in Florida Step-by-Step Guide

Buying or refinancing with a VA loan in Florida should be simple — and here’s exactly how it works:

Step 1: Pre-Qualification

We review your service history, income, and credit to confirm eligibility and estimate your buying power.

Step 2: Get Pre-Approved

You’ll receive a VA loan pre-approval letter, giving you a competitive edge when mak

Buying or refinancing with a VA loan in Florida should be simple — and here’s exactly how it works:

Step 1: Pre-Qualification

We review your service history, income, and credit to confirm eligibility and estimate your buying power.

Step 2: Get Pre-Approved

You’ll receive a VA loan pre-approval letter, giving you a competitive edge when making offers.

Step 3: Find Your Home

We’ll help ensure your property meets VA loan guidelines and connect you with experienced agents if needed.

Step 4: Appraisal & Underwriting

A VA appraisal confirms value and condition while underwriting finalizes approval.

Step 5: Clear to Close

You sign, get your keys, and become a homeowner — often faster than expected.

Step 6: Ongoing Support

I stay available long after closing for refinancing or future VA loan use.

Ready to Start Your VA Loan Journey?

Click Apply Now, or call (407) 234-5371 to talk with Carl Hendrix today.
Let’s make homeownership simple, affordable, and veteran-friendly

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Welcome

Not Sure Where to Start?

Most websites overwhelm you with generic mortgage info — I don’t.

Every borrower is different, and VA loans aren’t one-size-fits-all. Your rate, approval, and options depend on your specific situation.

That’s why the best first step is simple:

👉 Let’s have a quick conversation

I’ll break everything down clearly so you understand:

What you qualify for
What your payment looks like
What your next step should be

No pressure. No confusion. Just straight answers.

I look forward to serving those who serve!

407-234-5371 chendrix@edgehomefinance.com

What Florida Veterans Are Saying

Mr Carl Hendrix is amazing at what he does! He is very honest, kind and accommodating! If we could give him 10 stars we would! Donna J

I have been in the central Florida real estate business for almost 44 years and have dealt with a lot of mortgage brokers during that time. Although I represented the sellers in this transaction, Carl kept me and, thus, my sellers as fully informed as possible on the progress toward getting this transaction ready for closing not simply on time, but a week ahead of the 1-month closing date! No doubt about it, Carl will be a go-to mortgage broker that I will recommend to others. Carol L

After retiring from the Military banks gave me a run around and Carl stepped up and got me the best offers and rates. He was upfront and knowledgeable. I’ve refinance my home twice after the original perches, Carl is my to go guy and gets me the best deal every time, thanks my friend for looking after my family and I blessings. Pablo R

It's simple. Carl is the best. I have worked in New Home Sales for 7 years and have worked with a lot of mortgage lenders along the way. Carl is always my go to. He is very upfront with everyone and won't waste your time. His knowledge of the mortgage industry and his personality are comforting for every level of buyer. I know he will always take care of me and my customers. He has closed ten's of millions of dollars of loans for my customers along with two of my personal home loans and we are currently working on the third. I'll always call Carl and I would encourage anyone looking for a mortgage to call him as well. Richie F

I am extremely pleased with my experience with Carl when buying my first home. He was patient with me and was able to break down everything in layman's terms as I'm not very literate in mortgage financing. As a great bonus, he was able to save me quite a bit of money on my closing costs! 10/10 would recommend to anyone buying or refinancing a home! Sheryl E

We’ve worked with Carl twice now, first to purchase our very first home and recently to refinance for a lower interest rate. Both of our experiences were outstanding.
Carl is knowledgeable, responsive, and incredibly professional. He made the home buying process stress free and took the time to explain every detail and answer all of our questions. When it came time to refinance, he was proactive and helped us secure a better rate smoothly and efficiently.

It’s rare to find someone you trust enough to return to for a second major financial decision, but Carl has earned that trust. We highly recommend him to anyone looking for expertise, transparency, and exceptional service. Roslyn C

Carl was fantastic! Great communication and a pleasure to work with. I have him on my speed dial now. I highly recommend Carl. Lynn J

Carl was fantastic! Super fast closing and an stress-free process. I will definitely use him again any time needed in the future and recommend anyone else do the same. James M

VA Mortgage Florida - $0 Down Home Loans for Veterans